Get the card that co-op members
[and bucket lists] love

Co-op Mastercard

Apply for REI Co-op World Elite Mastercard® INSTANT DECISION

Earn rewards1 you can turn into new gear.

• 5% back on purchases at REI

• 2% back on mobile wallet purchases

• 1% back everywhere else

• No annual fee* and no foreign transaction fees*

Three people sit on a rocky ledge overlooking a winding river bordered by hills and trees

How to apply for REI Co-op World Elite Mastercard® INSTANT DECISION
(It's quick and easy!)

1. Sign in to your REI.com account and make sure your membership number is attached to your account.

2. Click “Apply now” to open and complete the credit card application. Typically, you’ll get an answer within 30 seconds.

3. If approved, you will instantly receive your new REI Mastercard information that you can key in at checkout. You will need to open a new browser window and go to REI.com to finish your purchase.


Terms & Conditions

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 9/28/2021 the variable APR for Purchases and Balance Transfers is 13.99% - 23.99%, based on your creditworthiness. The variable APR for Cash Advances is 25.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $20 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.

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.

  1. 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.

§ 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. ©2021 U.S. Bank

©2021 Recreational Equipment, Inc. All rights reserved. REI and the REI Co-op logo are trademarks of Recreational Equipment, Inc.