Refer a Friend, Earn an REI Gift Card

Help a friend get more outdoors with the REI Co-op Mastercard®.1

Here’s how:

  1. Tell your family and friends about the benefits of the card such as a $100 gift card after their first purchase with the card2, support of the National Forest Foundation with eligible purchases, a bigger dividend3, chip technology and Mastercard benefits.
  2. Ask them to apply for the REI Co-op World Mastercard at reimastercard.com/raf. Be sure they’ve got your REI member number (and their own) handy when they apply.
  3. 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 Mastercard Helps Them Earn A Bigger REI Dividend

  • 5% back at REI4 including full-price and sale merchandise, REI Adventures travel and REI gift cards
  • 1% back on everyday purchases5, including monthly bills when they're paid with the REI Co-op World Mastercard
  • No annual fee
  • REI will make a donation to the National Forest Foundation every time you make a purchase with your card.6
  • All this on top of the REI member dividend (typically 10% on eligible REI purchases3)

Refer More Friends, Get More $20 Gift Cards

There's no limit on how many $20 Refer-a-Friend 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.


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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.

©2018 U.S. Bank.

©2018 Recreational Equipment Incorporated. All rights reserved.


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 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 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.
2 REI Gift Card Information: To receive this one-time REI gift card, you must apply for an REI Co-op World Mastercard and, if approved, make a purchase with your new REI Co-op World 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 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 Mastercard Accounts booked through this special offer.  Existing and previous REI Co-op World Mastercard cardmembers are not eligible for this offer.
3 REI Co-op World 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.
4 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 Adventures–invoiced trip payments.
5 1% back applies to non-REI eligible net purchases (net purchases are purchases minus credits and returns) only. 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.

The 5% and 1% rewards are distributed with your member dividend annually.
6 This year, REI will donate $0.10 per REI Co-op World Mastercard purchase transaction made to the National Forest Foundation, up to $1million. 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.