How to Make a Payment

Online Payments

With Online Banking, you have the flexibility to make a same-day payment, schedule a future payment or sign up for AutoPay, where your payment is scheduled on the same day each month. You can use a U.S. Bank checking account or an external account to make payments to your credit card. If you choose to set up an external payment account, it only needs to be set up once for all future payments.

To make an online payment:

  1. Log in to Online Banking.
  2. Under the “Bill Payments” tab, select “Pay My Account” or “Pay a U.S. Bank Account.”
  3. Select the Account you are paying, and the Account you are paying from.
  4. Select the frequency, either “Once” for a onetime payment or “Recurring” to set up AutoPay.
  5. Complete the remaining payment information and select “Continue.”
  6. Review the payment details and click “Submit.”

The cutoff time for same-day online (non-AutoPay) payments varies, but generally falls between 5 p.m. and 8 p.m. (Central Time). Please contact Cardmember Service if you have questions about your applicable cutoff time.

Not enrolled in Online Banking? It’s easy to sign up. Enroll Now!


With PhonePay, you can call in your payment from anywhere: your home, the office or the trail. To get started, sign up for PhonePay by calling 877-734-8742, or 701-461-2932 (collect). After you’ve set up PhonePay the first time, call Cardmember Service anytime before your payment due date—even on the due date if you call before 7 p.m. (Central Time). Have your REI Co-op World Elite Mastercard® account number handy and follow the easy payment instructions.

There is no charge for a payment made through our automated phone system. Each time you make a payment over the phone via our automated system, your next statement will reflect that payment.

Mail Your Payment

To send a payment via U.S. Postal Service, send your check or money order to:

U.S. Bank
P.O. Box 790408
St Louis, MO 63179-0408

Please make sure to include your Account Number in the memo area.

Mobile Banking1

REI Co-op World Elite Mastercard Cardmembers enrolled in Online Banking can make a payment 24/7 from their smartphone. To get started, just enroll in U.S. Bank Online Banking and set up any external accounts you'd like to use to pay your REI Co-op World Elite Mastercard monthly statement. No setup is required if you are enrolled and would like to use an existing U.S. Bank account to pay your REI Co-op World Elite Mastercard. Learn more about how to download the app and go mobile.

Automatic Bill Pay

Learn more about Automatic Bill pay.

4 Ways to Pay

Log in to pay Online

Pay By Phone
877-734-8742 or 701-461-2932 (collect)

Mail Your Payment
P.O. Box 790408
St. Louis, MO 63179-0408

Download the App

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