REI Co-op Mastercard

The card co-op members [and trees] love.

When you make a purchase with your REI Co-op World Elite Mastercard®, we donate to projects that help restore hiking and biking trails, peak and prairie habitat, campgrounds and more in the places we all love to explore.1



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.

*The APR may vary and as of 11/09/2019 the variable APR for Purchases and Balance Transfers is 12.49% - 24.49%, based on your creditworthiness. The variable APR for Cash Advances is 25.49% Cash Advance fee: 4% of each advance amount, $5 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 4% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0. The foreign transaction fee is $0.

1. 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.

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.

2. 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.

3. 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.

4. 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 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 qualifying 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.

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