Frequently Asked Questions

Questions? We have answers.

Applying for the REI Co-op World Elite Mastercard®

It's easy! Apply online, or call 877-734-9737 to apply by phone.
Call 800-947-1444 and choose Option 1 for the status of an application. For your security, you will be required to enter your Social Security number. Additional verification items may also be needed.
There is no annual fee. REI and U.S. Bank worked together to make the REI Co-op World Elite Mastercard a great value for REI members. And remember you pay no interest on purchases when you pay your bill in full by the payment due date each month.
No, you just need to be an REI member. However, if you have a U.S. Bank checking or savings account there are added advantages, including overdraft protection and expanded account access to your U.S. Bank checking or savings account.
You must be an REI member to apply. Rewards earned on purchases are delivered along with the REI Annual Dividend1 notice, so you'll want to be a member to receive the rewards. An REI lifetime membership is only $20 and entitles you to other special benefits.
No, the primary REI Co-op World Elite Mastercard cardmember's name must match the REI member name and associated member number. However, additional REI Co-op World Elite Mastercards can be requested for family members. Call Cardmember Service or fill out a mail-in form to make a request.
The APR is competitive for credit cards that offer rewards. Find current rates.
Once approved, you should receive your card within 7-10 business days.

Using Your REI Co-op World Elite Mastercard

Absolutely, your REI Co-op World Elite Mastercard can be used anywhere Mastercard is accepted. And the more you use your card, the bigger your REI Co-op World Elite Mastercard reward.
Yes, you can use your REI Co-op World Elite Mastercard and Personal Identification Number (PIN) for cash advances worldwide at any ATM that accepts Mastercard.

5% Back Details

You will earn 5% back2 at REI when you use your REI Co-op World Elite Mastercard. The reward is earned on REI net purchases including full-price and discount-price items, REI gift cards, services, fees and REI adventure travel-invoiced trip payments.
Your 5% back2 will be distributed with your member dividend annually.

2% Back Details

You will earn 2% back2 on all eligible net mobile wallet purchases. Put your card in an eligible mobile wallet on your mobile device and get 2% back on each purchase.
Your 2% back2 will be distributed with your member dividend annually.

1% Back Details

No. Almost every non-REI purchase or payment transaction earns you 1% back,2 but interest charges and fees, balance transfers, convenience checks, cash advances and other advance transactions are not eligible to earn rewards.
No, you will earn 5% back2 on REI purchases when you use your REI Co-op World Elite Mastercard. The reward is earned on REI net purchases including full-price and discount-price items, REI gift cards, services, fees and REI adventure travel-invoiced trip payments.
Your 1% back will be distributed with your member dividend annually.

Your REI Annual Dividend

The 5%, 2% and 1% accrue separately from your REI member dividend (typically 10% on eligible REI purchases).3 The result: you’ll earn a bigger REI Annual Dividend.
The 5%, 2% and 1% back from all returns credited to your REI Co-op World Elite Mastercard account will be deducted from your reward balance. Returns made in January will not be recalculated on the prior year's purchases but may be reflected as a negative on the next year's reward. The merchandise return date and your billing cycle will determine if REI receives information to recalculate totals before rewards are calculated.
Your rewards earnings are listed in the REI rewards section on your monthly credit card statement.

REI Co-op World Elite Mastercard Benefits & Services

Yes, you can take advantage of many Mastercard benefits in addition to your REI benefits. These include Zero Fraud Liability4, Identity Theft Protection, Extended Warranty, Emergency Cash and Card Replacement, and more. Also, REI Co-op World Elite Mastercard cardmembers receive special Mastercard benefits. See the complete list of benefits.
Yes. You can access your REI Co-op World Elite Mastercard account by enrolling in Online Banking. With just a few clicks, you'll be in the know about your balance, your charges and more. You can also pay your REI Co-op World Elite Mastercard bill quickly online. Learn more about the benefits of Online Banking.

REI Adventure Travel Benefit

Book REI adventure travel using your REI Co-op World Elite Mastercard® and some or all of your Total REI Rewards. We'll reduce the trip cost by 50% of the Total REI Rewards amount you use.5 Plus, you get 5%2 of your REI trip cost back just by booking with your card. For example:
  • The REI adventure travel you would like to book has a member price of $2,500
  • You would like to contribute $200 of your Total REI Rewards to the trip cost
  • With the adventure travel benefit, REI will contribute half of the amount of Total REI Rewards you use, so in this case REI contributes $100
  • The remaining balance for the trip is $2,200 to be paid with your card
To use your benefit, you must book your trip and make your payment by calling our REI adventure travel team at 800-622-2236.
If you cancel your trip prior to departure, you will receive a check for the dividend amount 4-6 weeks later, but you will not receive credit or reimbursement for the “50% more” benefit.

The REI Cooperative Action Fund

This year, REI will donate $0.10 per REI Co-op World Elite Mastercard purchase transaction made to the REI Cooperative Action Fund, up to $1 million.6
Yes, all purchases will be applied towards REI’s donation to the REI Cooperative Action Fund (up to a $1 million donation this year).

Additional details: Non-Purchase transactions, including cash advances, convenience checks, balance transfers, and other advance transactions as defined in the Cardmember Agreement, as well as interest charges and fees, do not qualify. Transactions posted in late December of the current year may be applied in the following year. REI may change the benefit or named charity in future years. REI is solely responsible for making the donation.
The REI Cooperative Action Fund is a community-funded public charity which directly supports organizations that promote justice, equity and belonging in the outdoors to strengthen the health and well-being of people and communities.

The REI Cooperative Action Fund will donate to organizations that promote justice, equity and belonging in the outdoors.

Making Your Payments

Yes. Learn more about the easy ways to make a payment to your REI Co-op World Elite Mastercard.

Additional Questions

Contact 24-hour Cardmember Service by calling the phone number on the back of your REI Co-op World Elite Mastercard.
  1. Activate your new card as soon as you get it in the mail.
  2. Update your new information with all merchants that bill your card automatically.
    Some examples include:
    • Utilities: gas, water, electric and garbage
    • Online services: iTunes and PayPal
    • Recurring expenses: cell phone, insurance and cable TV
    • Subscriptions: magazine, newspapers
  3. Make payments as usual to the statement showing your old credit card number. The system will credit your account appropriately, and your next statement will reflect the new number.
  4. Destroy any remaining credit cards with the old card number or expiration date.
  5. Destroy all convenience checks with your old credit card number.
Visit usbank.com/creditwellness for helpful information about how credit can play a role in your life. REI Co-op World Elite Mastercard cardmembers enrolled in Online Banking can obtain their VantageScore® credit score – at absolutely no cost!7 U.S. Bank provides Zero Fraud Liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply. Learn more.

 

Terms & Conditions

 

Shop with the card that gives back and earn an REI gift card.8
Apply for the REI Co-op World Elite Mastercard!

It takes just a few minutes. Or call 877-734-9737 to apply by phone.


Already have the REI Co-op World Elite Mastercard?

Use it and get a bigger dividend1!