Cardmember Benefits

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

Start earning 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% member dividend.1

Plus, new cardmembers can earn a $100 REI gift card if they make a purchase within 60 days of card approval.3

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 member dividend4

Other Benefits

  • No annual fee*
  • No foreign transaction fees*
  • Extra Savings on Adventure Travel5
     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.6

World Elite Mastercard Benefits

Effective 1/1/22 at 12:00am (EDT), Cellular Wireless Telephone Protection will be canceled due to changes to Mastercard insurance benefits program. Benefit (Policy No. 84161538) provided by New Hampshire Insurance Company, an AIG company. If eligible claim made prior to the date of cancellation, benefits will be provided pursuant to terms in effect at time of coverage. Please call the number on the back of your card if you have questions.

For Peace of Mind

  • Extended Warranty7
    Doubles the manufacturer’s warranty (up to two years) on eligible card purchases.
  • Trip Cancellation Insurance7
    Reimbursement for your non-refundable payments to a common carrier if a covered trip is canceled due to a covered loss.
  • Price Protection7
    Reimbursement if an eligible card purchase experiences a price drop within 120 days of purchase.
  • ID Theft Resolution Services7
    Reimbursement for covered expenses incurred as a result of the theft or unauthorized use of card member’s identity.
  • Concierge8
    Representatives assist you with gift buying and delivery, event tickets and other personal services.

For Everyday Value

  • Lyft9
    Take 3 rides in one calendar month, get a $5 Lyft credit.
  • Fandango9
    Get a $5 Fandango Reward when you spend $20.
  • HelloFresh9
    Get 5% back to use on future orders from HelloFresh.
  • DoorDash9
    Try DashPass for free and get $5 off your first 2 orders each month.
  • ShopRunner Complimentary Membership9
    Free 2-day shipping and free returns at 100+ stores.

For Ease of Travel

  • LoungeKey Airport Lounge Membership10
    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 Services11
    Professional travel service advisors ready to you help you 24/7.

Security & Convenience Benefits

  • Zero Fraud Liability12
    You won't be held responsible for unauthorized charges made with your account or account information.
  • Mastercard ID Theft Protection™7
    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 Score13
    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