REI Co-op Membership Benefits

Frequently Asked Questions

• How do I find my member number and total REI rewards balance?

  Look up your member number and total REI rewards balance. You can also call Customer Support at 1-800-426-4840 (U.S. and Canada) or 1-253-891-2500 (International).

• What is a Co-op Member Reward?

  In 2020, members helped the co-op weather tough times. The co-op member reward is our way of saying thank you! Our member dividend is the way we typically share our profits with members. Even though we didn’t make a profit in 2020, we’re still committed to giving members a member reward—the equivalent amount your dividend would’ve been. In good times or bad, our community always comes first. It’s the co-op way. 

• What do my total 2020 REI rewards include?

  Your total REI rewards are comprised of: 

  • Your 2020 Co-op Member Reward 
  • Any remaining 2019 member dividend 
  • REI Co-op World Elite Mastercard® rewards (if you’re an REI Mastercard holder)

• How can I spend my total 2020 REI rewards? 

  You can shop at REI with your total REI rewards as soon as you receive notice of them in the mail. They’re valid through their respective listed expiration dates. Only the primary member (not a spouse or other family member) may redeem their total REI rewards. 

  To redeem your total REI rewards: 

  • Shop online at REI.com or REI Outlet 
  • Shop at any REI store 
  • Book a trip with REI adventure travel 
  • Shop with the REI mobile app (download free from the App Store) 

  To redeem your total REI rewards on an REI order by phone, call: 

  1-800-426-4840 (U.S. and Canada) 

  1-253-891-2500 (International) 

• When do my total 2020 REI rewards expire?

  Your total 2020 REI rewards expire as follows: 

  • The 2020 Co-op Member Reward expires on December 31, 2021, at 11:59pm PT. 

  • Any remaining 2019 member dividend expires on January 3, 2022, at 11:59 PT. 

  • REI Co-op Mastercard rewards expire as follows: 

  • Remaining 2019 REI Mastercard rewards expire on January 3, 2022, at 11:59pm PT. 

  • 2020 REI Mastercard rewards expire on January 3, 2023, at 11:59pm PT. 

  2019 and 2020 REI Mastercard rewards with a balance greater than $1 at the time of expiration will be mailed in the form of a check. This automatic check issuance will be eliminated for 2021 REI Co-op Mastercard rewards expiring in 2024. 

• How do I earn a member dividend?

  The member dividend is a unique benefit of being an REI Co-op member and is your share of the co-op's annual profit. 

  REI Co-op members receive their member dividend notice each March. The dollar amount on the notice consists of two parts: your member dividend, which is typically 10% back on eligible REI purchases*; and any rewards from purchases you make with your REI Co-op Mastercard, if you have the card (which is a benefit just for REI Co-op members). 

  Please note, your online purchase history is not a complete transaction record and can’t be used to accurately estimate your member dividend. 

  Except for the items listed below in the next section, you can earn a dividend on most full-price items and other eligible REI merchandise purchases posted from Jan. 1 through Dec. 31. Any items returned for refund or credit will be deducted from your dividend; if your dividend has already been calculated, then the dividend is deducted from any returns. 

  Here are some of the purchases you can’t earn a member dividend on: 

  Sale items, discounted items, REI adventure travel, REI classes or day trips, sales tax, postage and the REI membership fee. Service fees for labor, mounting and rentals are also non-dividendable. The purchase of a gift card is non-dividendable, but a member dividend can be earned by the gift card recipient when the gift card is redeemed. 

  Good news: Keep in mind that many of these non-dividendable REI items, such as gear that's on sale and REI adventure travel, still let you earn 5% back** when you buy them with your REI Co-op Mastercard. 

  *10% member dividend is typical but not guaranteed. Your member dividend is based on eligible net purchases, which exclude REI Outlet items, sale and clearance items, discounted items, gift cards, REI adventures travel, REI  classes or day trips, service fees (e.g., rentals, labor), membership fee, postage, event tickets, passes or registrations, government agencies and sales tax. 

  **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. Please visit reimastercard.com for more details. 

• Does every member get a member dividend?

  Only active REI Co-op members receive a member dividend notice. To be an active member, you need to make net merchandise or shipping purchases (purchases minus credits and returns) of at least $10 per year, unless you joined during that calendar year.

• What are the REI Co-op World Elite Mastercard® benefits?

  The REI Co-op World Mastercard is a benefit that’s available only to REI Co-op members. We like to say it’s the card that co-op members [and the outdoors] love. Here’s why: 

  You get rewards¹, like 5% back on REI purchases—and that’s in addition to your typical 10% member dividend²—2% back on mobile wallet purchases and 1% back everywhere else. Plus, there’s no annual fee and no foreign transaction fees³. Shopping and paying bills with your REI Co-op World Elite Mastercard lets you grow your card rewards. 

  And here’s the outdoors part: 

  When you make a purchase with your card, REI proudly donates to nonprofit partners that work to advance equitable access to a healthy outdoors⁴. 

  When do I get my rewards? 

  You’ll receive your 5%, 2% and 1% rewards each March along with your member dividend. Any purchases you make with your card after the final billing of the current year will apply to the following year’s rewards. 

  Make your card count 

  The primary cardmember’s name on the REI Co-op Mastercard needs to match the name on the REI membership card. That way you’ll be sure that your REI Co-op World Mastercard purchases count toward earning card rewards. Questions about your REI Co-op  Mastercard rewards? Call us at 1-800-426-4840. 

  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. 

  ²10% member dividend is typical but not guaranteed. Your member dividend is based on eligible net purchases, which exclude REI Outlet items, sale and clearance items, discounted items, gift cards, REI adventures travel, REI classes or day trips, service fees (e.g., rentals, labor), membership fee, postage, event tickets, passes or registrations, government agencies and sales tax. 

  ³For more information about No annual fee, see here. 

  ⁴This year, REI will donate $0.10 per REI Co-op World Elite Mastercard purchase transaction made to the REI Cooperative Action Fund, up to $1 million. The REI Cooperative Action Fund is a Washington State nonprofit corporation aiming to advance equitable access to a healthy outdoors by making grants to 501(c)(3) nonprofit organizations. 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. 

• When do I get my member dividend?

  Member dividend notices are sent out in March. For example, the member dividend you earn on purchases made in 2021 will be issued in March 2022 and expire in January 2024. Notices go out in March to active members who earned a member dividend and/or REI Co-op  Mastercard rewards on eligible purchases during the previous year.

• Can I receive my total REI rewards by cash or check?

  You can request a check for your remaining 2019 member dividend and any REI Co-op Mastercard rewards before they expire. While you can request the check at any time, checks are only sent to members from July 1 through Jan. 3. Please note that no checks are issued for balances $25 and under, and the check will be made out only to the primary member. You cannot receive your remaining 2019 member dividend or any REI Co-op Mastercard rewards via cash at our stores. 

  You cannot receive your 2020 Co-op Member Reward by cash or check, except as required by law. The 2020 Co-op member reward may be redeemed at an REI store, REI.com, REI Outlet, for an REI adventure travel trip, or via the REI app. 

  REI Co-op Mastercard rewards with a balance greater than $1 at the time of expiration will be mailed in the form of a check. Please see note below for how this will change for REI Co-op Mastercard rewards expiring in 2024. 

  NOTE: Starting in January 2024, REI will no longer automatically mail a check when card rewards expire. This change will apply for the first time to credit card rewards earned in 2021, issued in 2022, and that expire in 2024. 

  To request a check for your card rewards to be sent to your current address or an updated address: 

  Fill out the online form. This is a fast and easy way to get your check. Please enter the address in the form below and submit the information. Make sure to enter your name exactly as it appears on your membership. We will automatically update our database with the address you enter. 

  Please note: A check will be issued only in the primary cardmember’s name. 

  Or call us: 1-800-426-4840 (U.S. and Canada); 1-253-891-2500 (International) 

  Or contact us by mail: 

  REI Membership Services 

  P.O. Box 1938 

  Sumner, WA 98390-0008 

• Can I give my membership to someone else?

  Your member number is issued only in your name. Only you can redeem your co-op member reward, member dividend, and REI Mastercard rewards, and only you can vote for the REI board of directors. Your membership cannot be transferred to someone else. It’s yours for life.

• Can I retroactively earn a member dividend on previous purchases?

  You may request a retroactive member dividend credit for eligible purchases online or by calling Membership Services at 1-800-426-4840, ext. 3906; have your receipt handy as you’ll need it to provide information about your purchase. A member dividend* may be credited to you for purchases you made within the current calendar year. However, your dividend cannot be credited for purchases that occurred before you became an REI Co-op member. 

  *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 or day trips, service fees (e.g., rentals, labor), membership fee, postage, event tickets, passes or registrations, government agencies and sales tax.