REI Co-op Mastercard

Every purchase protects forests. Plus earn a $100 REI gift card§.

Be part of the effort to cherish national forests and grasslands with the the REI Co-op World Mastercard®. We’ll make a donation to the National Forest Foundation1 every time you make a purchase with your card at all your favorite spots. Plus, you’ll earn a $100 REI gift card upon approval with your first purchase§. Find out more about this transformative partnership in our blog.


Grow the forests and your Annual Dividend.

The benefits echo every time you use your card whether it’s in our stores or out in the world.

  • Earn 5% back at REI2
  • Earn 1% back on everyday purchases3
  • This is on top of the annual REI member dividend, which is typically 10% on eligible purchases
  • Every time you make a purchase with your card we'll donate to the National Forest Foundation, up to $1 million1
  • No annual fee*



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 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.

2. 5% back applies to net REI purchases (purchases minus credits and returns) including full-price and discount-price items, REI gift cards, services, fees and REI Adventures-invoiced trip payments.

3. 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% rebates are distributed with your member dividend annually.

*The APR may vary and as of 12/21/2018 the variable APR for Purchases and Balance Transfers is 13.24% - 25.24%, based on your creditworthiness. The variable APR for Cash Advances is 26.24%. 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. Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% for each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency.

§ 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.

† 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.

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