Refer a Friend, Earn an REI Gift Card¹

Help a friend get outdoors more with the REI Co-op World Elite Mastercard^®.

Here’s how:

Tell your family and friends about the benefits of the card, like the $100 REI gift card they'll earn after their first purchase with the card², REIs support of the National Forest Foundation³ with eligible purchases, a bigger dividend⁴ (see full benefits below) and Mastercard benefits.
Ask them to apply for the REI Co-op World Elite Mastercard at reimastercard.com/raf. Be sure they’ve got your REI member number (and their own) handy when they apply.
For each referral who applies, is approved and makes a purchase, you’ll get a $20 REI gift card. There’s no limit to the number of $20 REI gift cards you can earn!¹

What if your friends aren't REI members yet?

Anyone can become an REI member and enjoy a lifetime of member benefits for only $20. Tell your family and friends to go to REI.com, call 1-800-426-4840 or visit any REI store to join.

Let Friends Know the REI Co-op World Elite Mastercard Helps Them Earn A Bigger REI Dividend⁵

5% back on purchases at REI⁶
2% back on mobile wallet purchases⁷
Learn more about mobile wallets
1% back everywhere else⁸
No annual fee*
No foreign transaction fees*
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 explore.³

Refer More Friends, Get More $20 REI Gift Cards

There's no limit on how many $20 Refer-a-Friend REI gift cards you can earn. Once your friends are approved and make a purchase, you'll start earning. It's a great way to get more gear at REI.

Our Co-op. Our Card. Our Trails.

You love the outdoors, and your friends love the outdoors.
Your friends get a $100 REI Gift Card after the first purchase with their new REI Co-op World Elite Mastercard.
You get a $20 REI Gift Card for the approved referral.
REI makes a donation to the National Forest Foundation when you and your friend use your cards for purchases.³

U.S. Bank Home|Privacy Pledge|Sitemap

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 Elite Mastercard® is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated.

¹ Refer-a-Friend $20 REI Gift Card Information: For the referring cardmember: The $20 Refer-a-Friend REI gift-card bonus is earned for each REI member you refer. You cannot earn a Refer-a-Friend bonus by referring someone who is already an REI Co-op World Elite Mastercard cardmember or an applicant who has been referred by someone else. Your REI member number must be included on the referred application for you to be eligible for the REI gift-card bonus. Six to eight weeks after the referred new account is approved, activated and used to make a purchase, a gift card will be mailed to your primary card's primary-applicant address. Your account must be open and in good standing to be eligible for the bonus. REI is responsible for the distribution of REI rewards. Due to confidentiality, sponsors cannot be notified, either in writing or by phone, as to which referrals have been approved for the REI Co-op World Elite Mastercard. Should U.S. Bank determine that the referral bonuses you receive constitute reportable income, their value will be reported to you and the IRS on form 1099. You are responsible for any federal or state taxes owed on referral bonuses. Consult your tax adviser should you have questions about the taxability of this promotion.

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² REI Gift Card Information: To receive this one-time REI gift card, you must apply for an REI Co-op World Elite Mastercard and, if approved, make a purchase with your new REI Co-op World Elite Mastercard within 60 days of account opening. Purchase requirement is met by purchases only; advances, convenience checks, balance transfers, interest charges, fees, credit insurance charges, or transactions to fund certain prepaid card products are not eligible. Six to eight weeks after purchase, the REI gift card will be sent to the primary applicant’s address. The offer is subject to credit card approval and your new REI Co-op World Elite Mastercard Account must be open and in good standing at the time of fulfillment to receive the REI gift card. This gift card offer is available only to new REI Co-op World Elite Mastercard Accounts booked through this special offer. Existing and previous REI Co-op World Mastercard cardmembers are not eligible for this offer.

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³ This year, REI will donate $0.10 per REI Co-op World Elite Mastercard purchase transaction made to the National Forest Foundation, up to $1 million. 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.

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⁴ REI Co-op World Elite Mastercard rewards are offered to cardholders in accordance with the card's terms, but are mentioned as parts of a dividend because they are paid at the same time as your normal member dividend. 10% member dividend is typical but not guaranteed. Your member dividend is based on eligible net purchases, which exclude REI Outlet items, sale, clearance items, discounted items, gift cards, REI Adventures trips, REI Outdoor School classes and outings, service fees (ex. rentals, labor), membership fee, postage, event tickets, passes or registrations, government agencies and sales tax.

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⁵ REI Co-op World Elite Mastercard rewards are offered to cardholders in accordance with the card's terms, but are mentioned as parts of a dividend because they are paid at the same time as your normal member dividend. 10% member dividend is typical but not guaranteed. Your member dividend is based on eligible net qualified purchases, which exclude REI Outlet items, sale, clearance items, discounted items, gift cards, REI adventure travel, classes, tours, and events, service fees (ex. rentals, labor), membership fee, postage, event tickets, passes or registrations, government agencies and sales tax.

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⁶ 5% back applies to REI net purchases (purchases minus credits and returns) including full-price and discount-price items, REI gift cards, services, fees, and REI adventure travel-invoiced trip payments.

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⁷ 2% back applies to net purchases (purchases minus credits and returns) made using a mobile wallet. “Mobile wallet” is defined as the method of paying for a transaction by use of a mobile device (in-store, in-app or online) and includes eligible mobile providers such as Apple Pay®, Google Pay™, Samsung Pay, Fitbit Pay™, Garmin Pay™, and LG Pay. 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.

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⁸ 1% back applies to non-REI and non-mobile wallet eligible net purchases only (includes purchases using a non-eligible mobile wallet provider). Net purchases are purchases minus credits and returns. 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.

If the transaction is a Qualified REI Purchase made using an eligible mobile wallet provider, the reward will be 5% back. If the transaction is a Qualified Non-REI Purchase made using an eligible mobile wallet provider, the reward will be 2% back.

The 5%, 2% and 1% rewards are distributed with your member dividend annually.

REI Co-op World Elite Mastercard rewards are offered to cardholders in accordance with the card’s terms but are mentioned as parts of a dividend because they are paid at the same time as your normal member dividend.

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Refer a Friend, Earn an REI Gift Card1

Help a friend get outdoors more with the REI Co-op World Elite Mastercard®.

Let Friends Know the REI Co-op World Elite Mastercard Helps Them Earn A Bigger REI Dividend5

Refer More Friends, Get More $20 REI Gift Cards

Our Co-op. Our Card. Our Trails.

Refer a Friend, Earn an REI Gift Card¹

Help a friend get outdoors more with the REI Co-op World Elite Mastercard^®.

Let Friends Know the REI Co-op World Elite Mastercard Helps Them Earn A Bigger REI Dividend⁵