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 cut-off time for same-day Web (non-AutoPay) payments varies, but generally ranges between 5 p.m. and 8 p.m. (Central Time). Please contact Cardmember Service if you have questions about your applicable cut-off 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 1-877-734-8742, or 1-701-461-2932 (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 Mastercard® account number handy and follow the easy payment instructions.

There is no charge for a payment made through our automated phone system.1 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 Banking2

REI Co-op 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 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 Mastercard. Learn more about how to download the app and go mobile.

Automatic Bill Pay

Click here to learn about Automatic Bill pay.


Click here to learn about FlexControl.

4 Ways to Pay

Pay Online

Pay By Phone

Mail Your Payment

Download the App

Apple App Store

Get it on Google play

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We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information.

The creditor and issuer of the REI Co-op World Mastercard is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated.

©2019 U.S. Bank.

©2019 Recreational Equipment Incorporated. All rights reserved.

Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google Inc. Android is a registered trademark of Google Inc.

1 We may add a $10 service charge to the Purchase balance of the Account if you call us to make a payment on your Account and are assisted by a Cardmember Service Representative to make the payment. You will be provided with confirmation of the service charge before the payment transaction is authorized.
2 The REI Co-op Mastercard Mobile App is free to download. Your mobile carrier may charge access fees depending upon your individual plan. Web access is needed to use the Mobile app. Check with your carrier for specific fees and charges. Some mobile features may require additional online setup. Any fees for optional transactions will be identified during registration for these services and during their use.