Frequently Asked Questions

Questions? We have answers.

Applying for the REI Co-op World Elite Mastercard®
It's easy! Apply online, or call 1-877-734-9737 to apply by phone.
Call 1-800-947-1444 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 Annual REI Dividend 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.
1% Back Details
No. Almost every non-REI purchase or payment transaction earns you 1% back,1 but interest charges and fees, balance transfers, convenience checks, cash advances and other advance transactions are not eligible to earn rewards.
You will receive 5% back2 on all REI net purchases, in addition to your member dividend (typically 10% on eligible REI purchases3).
Your 1% back will be distributed with your member dividend annually.
2% Back Details
You will earn 2% back4 on all eligible net mobile wallet purchases. Put your card in an eligible mobile wallet on your phone and get 2% back on each purchase.
Your 2% back4 will be distributed with your member dividend annually.
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 Adventures-invoiced trip payments.
Your 5% back2 will be distributed with your member dividend annually.
Your REI Member 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 Annual Dividend.
The 1%1, 2%4 and 5% back2 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 Liability5, 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 REI Annual Dividend. We’ll reduce the trip cost by 50% of the dividend amount you use. Plus, you get 5% of your REI trip cost back just by booking with your card. For example:
  • If an REI adventures trip costs $2,500.
  • Your Annual Dividend, which you will use in full to pay for part of the trip, is $400.
  • Half of the amount of the dividend you are using is $200. So, REI will reduce the total trip cost by $200.
  • The new total trip cost is $2,300. Then you apply your dividend of $400 and total is $1,900 to be paid with other form of payment.
The trip payment must be made by calling 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.
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 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!6 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.
Reading your statement (PDF)7 is simple. It's designed to make it easy to view important information on your account.


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Help the outdoors and earn an REI gift card.8
Apply for the REI Co-op World Elite Mastercard!

It takes just a few minutes. Or call 1-877-734-9737 to apply by phone.

Already have the REI Co-op World Elite Mastercard?

Use it and get a bigger dividend3!