Cardmember Benefits

The card that co-op members [and bucket lists] love

The more you use your card, the more you grow your REI Annual Dividend1. Love REI? Your card gives you 5% back at REI2, including sale items. Plus get 2% back on purchases made with your card in a mobile wallet3, and 1% elsewhere4. And all that’s on top of your typical 10% member dividend1.

Plus — new cardmembers can earn a $100 REI gift card if they make a purchase within 60 days of card approval.5.

  • 5% back on purchases at REI2
  • 2% back on mobile wallet purchases3
  • 1% back everywhere else4

  • No Annual Fee*

Exclusive REI Benefits

  • 5% back on purchases at REI2
  • 2% back on mobile wallet purchases3
    Learn more about mobile wallets
  • 1% back everywhere else4
  • All of this on top of your member dividend1
  • No annual fee*
  • No foreign transaction fees*
  • Extra Savings on Adventure Travel6
     See FAQs for more details about Adventure Travel
  • When you make a purchase with your REI Co-op World Elite Mastercard®, we donate to projects that restore trails and more in the places we all love to explore7

World Elite Mastercard Benefits

For Peace of Mind

Extended Warranty8

Doubles the manufacturer’s warranty (up to two years) on eligible card purchases.

Price Protection8

Reimbursement if an eligible card purchase experiences a price drop within 120 days of purchase.


Representatives assist you with gift buying and delivery, event tickets and other personal services.

Trip Cancellation Insurance8

Reimbursement for your non-refundable payments to a common carrier if a covered trip is canceled due to a covered loss.

ID Theft Resolution Services8

Reimbursement for covered expenses incurred as a result of the theft or unauthorized use of card member’s identity.

Cellphone protection10

You can be reimbursed for damage or theft of an eligible cellphone when you pay your monthly cellphone bill with your card. Learn more about cellphone protection..

For Ease of Travel


Receive a 10% discount on luxury home rentals worldwide.

Lounge Key Airport Lounge Membership12

Access to over 500 lounges, in over 400 airports worldwide (120+ countries), regardless of airline, frequent flyer membership, or class of ticket.

Travel & Lifestyle Services13

Professional travel service advisors ready to you help you 24/7.

For Everyday Value


$5 off every order of $25 or more for delivery or pickup of food, drinks and groceries.


Get every 6th ride free -- up to $10.


Buy everyday items in bulk and get 5% back on all purchases.


Get $5 cash back after two movie purchases.

ShopRunner Complimentary Membership18

Order from over 140 online stores and receive unlimited free two-day shipping and return shipping on purchases.

Security & Convenience Benefits

Zero Fraud Liability19

You won't be held responsible for unauthorized charges made with your account or account information.

Mastercard ID Theft Protection™8

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 Score20

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