Cardmember Benefits

The card that co-op members [and the outdoors] love

Earn rewards you can turn into new gear for getting outside more.1 Love REI? Your card lets you earn rewards2 such as 5% back at REI, including sale items. Plus get 2% back on purchases you make with your card in a mobile wallet, and 1% everywhere else. And all that’s on top of your typical 10% Co-op Member Reward.1

Earn rewards2 you can turn into new gear.

  • 5%
    back on purchases at REI
  • 2%
    back on mobile wallet purchases
  • 1%
    back everywhere else

You'll also enjoy:

  • No Annual Fee*
  • No Foreign Transaction Fees*

Exclusive REI Benefits


  • 5% back on purchases at REI
  • 2% back on mobile wallet purchases
    Learn more about mobile wallets
  • 1% back everywhere else
  • All of this on top of your Co-op Member Reward3

Other Benefits

  • No annual fee*
  • No foreign transaction fees*
  • Extra Savings on Adventure Travel4
     See FAQs for more details about REI adventure travel
  • When you make a purchase with your REI Co-op World Elite Mastercard®, REI proudly donates to the REI Cooperative Action Fund, which directly supports organizations that promote justice, equity and belonging in the outdoors.5

World Elite Mastercard Benefits

For Peace of Mind

  • Extended Warranty6
    Doubles the manufacturer’s warranty (up to two years) on eligible card purchases.
  • Trip Cancellation Insurance6
    Reimbursement for your non-refundable payments to a common carrier if a covered trip is canceled due to a covered loss.
  • Price Protection6
    Reimbursement if an eligible card purchase experiences a price drop within 120 days of purchase.
  • ID Theft Resolution Services6
    Reimbursement for covered expenses incurred as a result of the theft or unauthorized use of card member’s identity.
  • Concierge7
    Representatives assist you with gift buying and delivery, event tickets and other personal services.

For Everyday Value

  • Lyft8
    Take 3 rides in one calendar month, get a $5 Lyft credit.
  • Fandango8
    Get a $5 Fandango Reward when you spend $20.
  • HelloFresh8
    Get 5% back to use on future orders from HelloFresh.
  • DoorDash8
    Try DashPass for free and get $5 off your first 2 orders each month.
  • ShopRunner Complimentary Membership8
    Free 2-day shipping and free returns at 100+ stores.

For Ease of Travel

  • LoungeKey Airport Lounge Membership9
    Membership to 1100+ Lounge Key lounges in 120+ countries and in over 400 airports regardless of airline, frequent flyer membership or class of ticket. Show your REI Co-op World Elite Mastercard and obtain a complimentary LoungeKey Membership with “pay as you go” lounge visits at only $32 per visit, per person. Learn more at
  • Travel & Lifestyle Services10
    Professional travel service advisors ready to you help you 24/7.

Security & Convenience Benefits

  • Zero Fraud Liability11
    You won't be held responsible for unauthorized charges made with your account or account information.
  • Mastercard ID Theft Protection™6
    Mastercard has partnered with CSID, an industry leader in identity protection and fraud detection, to help keep your information safe and to help detect and resolve identity theft.
  • Chip Technology
    EMV chips provide advanced security and fraud protection with global acceptance.
  • Free Credit Score12
    Cardmembers enrolled in online banking can obtain their credit score, at no charge, from TransUnion.
  • Free Spend Analysis
    Cardmembers enrolled in online banking can download a year-to-date spend analysis summary for the current year, or an annual account summary for the two previous years.
  • 24/7 Account Access with online banking
  • 24/7 Cardmember Service