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®, REI proudly donates to nonprofit partner projects that enhance the outdoor places we all love to explore.1

REI Co-op World Elite Mastercard® donations help fund up to $1 million worth of improvements to rewild cities and keep wild places wild; connect underrepresented groups to the outdoors; demonstrate nature’s health benefits; and advance climate action.


Earn rewards2 you can turn into new gear

The 5%, 2%, and 1% earned with your card is on top of your typical 10% member dividend.3

* The APR may vary and as of 7/23/2020 the undiscounted variable APR for Purchases and Balance Transfers is 11.49% – 23.49%, based on your creditworthiness. The variable APR for Cash Advances is 23.99%. 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. 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.

1. This year, REI will donate $0.10 per REI Co-op World Elite Mastercard purchase transaction made to the REI Foundation, up to $1 million. REI Foundation is a 501(c)(3) private charity that aims to: rewild cities and keep wild places wild; connect underrepresented groups to the outdoors; demonstrate nature’s health benefits; and advance climate action. 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.

2. 5% back applies to REI net purchases including full price and discount items, REI gift cards, services, fees and REI adventure travel-invoiced trip payments. 2% back applies to net purchases 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 using eligible mobile wallet providers. 1% back applies to non-REI and non-mobile wallet net purchases only. 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. Go to reimastercard.com/benefits for additional information. 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.

3. 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, REI classes, tours and events, service fees (ex. rentals, labor), membership fee, postage, event tickets, passes or registrations, government agencies and sales tax.

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.©2020 U.S. Bank

© 2020 Recreational Equipment, Inc. All rights reserved. REI and the REI Co-op logo are trademarks of Recreational Equipment, Inc.