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Dividend the same if card used directly or with paypal?


I just used my REI credit card via PayPal. Will I still get the same dividend as if I used my card directly with REI?

5 Replies

Not an REI employee and not really direct evidence as I haven't done this with my own REI card, but I have done so with my Discover during a period where they offered 5% rewards. It just showed up on my statement as "PAYPAL *STORE NAME/INFO", so it's basically like any other transaction, and should earn the 1% dividend on all purchases.

The one case I would be still unsure about is if you used PayPal to buy from REI itself, I don't know if that would still register the 5% dividend, it might only provide 1% because the vendor is now technically PayPal.

Again, not an employee nor am I any kind of financial expert. But to summarize I'd use the card directly when buying at REI, while it should be ok to use PayPal everywhere else. But I'd also keep in mind that I don't think PayPal counts as a mobile wallet for the 2% dividend, that's things like Apple/Google/Samsung Pay, based on the footnotes at To be sure I think you'd have to contact Mastercard or US Bank, they're more responsible for the credit cards than REI itself.

Superusers do not speak on behalf of REI and may have received
one or more gifts or other benefits from the co-op.

Hi @ksavage89 - Thanks for bringing this question to the community! When you purchase something on using PayPal, you will get the 5% dividend as long as your REI credit card is linked to your PayPal account.

For the 2% mobile wallet dividend that @TomV mentioned, your PayPal account cannot be linked to that feature, so non-REI purchases via PayPal will only receive the 1%. A 2% dividend can be earned in-store by using your phone’s tap-and-go feature or while shopping on a mobile app and paying with your phone's mobile wallet - just be sure your REI master card is loaded into your phone’s wallet and the selected method of payment.

Hopefully this helps. Let us know if you have any more questions.

At REI, we believe time outside is fundamental to a life well lived.

Hi Carter - to piggy back onto this questions —— I am checking out on REI and will be using my REI MasterCard —— if I use the MasterCard through Apple Pay, will I still get the 5% cash back, or will it fall under the 2% applied to Apple Pay and other Wallet purchases? It would seem more beneficial to REI to use Apple Pay (I know the fees associated are lesser as it’s more secure), but I don’t want to lose out on the extra cash back.


Thank you! 


Hi @BriannaMcCall - Thanks for bringing this question to the community!

We are going to reach out to our MasterCard team about this question and will circle back here when we have an answer for you. 


At REI, we believe time outside is fundamental to a life well lived.

Hi @BriannaMcCall - Thanks for your patience as we confirmed this answer!

If you use your REI Mastercard with Apple Pay on an REI purchase you will receive 5% back. 

Let us know if you have any additional questions and we'll be happy to help!

At REI, we believe time outside is fundamental to a life well lived.