REI Co-op Membership Benefits

Membership FAQs

• How do I find my member number?

  • Find your member number online. You can also call Customer Support at 1-800-426-4840 (U.S. and Canada) or 1-253-891-2500 (International).

• How do I find my dividend balance?

  • Find your dividend balance online. Or call Customer Support at 1-800-426-4840 (U.S. and Canada) or 1-253-891-2500 (International).

• How do I earn an Annual Dividend?

  • The Annual Dividend is a unique benefit of being an REI Co-op member. Part of your Annual Dividend is your share of the co-op's annual profit.

    REI Co-op members receive their Annual 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 World 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.

    Here are some of the purchases you can earn a dividend on:

    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 dividend on:

    Sale items, discounted items, REI Adventures trips, REI Outdoor School classes, 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 Adventures trips, still let you earn 5% back** when you buy them with your REI Co-op World 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 trips, REI Outdoor School classes and outings, 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 Adventures-invoiced trip payments.

• Does every member get an Annual Dividend?

  • Only active REI Co-op members receive an Annual 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.

• Can I give my membership to someone else?

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

    Questions? Call us at 1-800-426-4840 for more information about your Annual Dividend or its redemption.

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

  • The REI Co-op World Elite 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 (trees) love. Here’s why:

    You get 5% back on REI purchases ¹ —and that’s in addition to your typical 10% member dividend—2% back on mobile wallet purchase ²  and 1% back everywhere else³ . Plus, there’s no annual fee⁴. Shopping and paying bills with your REI Co-op World Elite Mastercard lets you grow your REI Annual Dividend⁵.

    And here’s the trees part:

    When you make a purchase with your card, REI donates to projects that help restore hiking and biking trails, campgrounds, peaks, prairies and rivers in the places we all love to explore⁶. We’re excited to give back to our public lands.

    When do I get my rewards?

    You’ll receive your 5%, 2% and 1% rewards each March as part of your Annual Dividend. Any net purchase 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 World Elite Mastercard needs to match the name on the REI membership card. That way you’ll be sure that your REI Co-op World Elite Mastercard purchases count toward your Annual Dividend. Questions about your REI Co-op World Mastercard rewards? Call U.S. Bank Cardmember Service at 1-877-734-6060.

    ¹ 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 Adventures-invoiced trip payments.

    ² 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.

    ³ 1% back applies to non-REI eligible net purchases (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. 

    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 Co-op World 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.

    ⁴ No annual fee info  here.

    ⁵ 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, classes, tours, and events, service fees (ex. rentals, labor), membership fee, postage, event tickets, passes or registrations, government agencies and sales tax.

    ⁶ This year, REI will donate $0.10 per REI Co-op 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.

• When do I get my member dividend?

  • Annual Dividend notices are sent out in March. For example, the member dividend you earn on purchases made in 2019 will be issued in March 2020 and expire in January 2022. Notices go out in March to all members who earned a member dividend and/or REI Co-op World Mastercard rewards on eligible purchases during the previous year.

• How can I spend my Annual Dividend?

  • You can shop at REI with your Annual Dividend as soon as you receive it in the mail. It’s valid through its listed expiration date. Only the primary member (not a spouse or other family member) may redeem their dividend.

    To redeem your Annual Dividend:

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

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

    1-800-426-4840 (U.S. and Canada)
    1-253-891-2500 (International)

• Can I receive my Annual Dividend in cash?

  • Yes. From July 1 through Jan. 3 of the following year prior to expiration, you can bring your Annual Dividend notice to any REI store and ask to get your remaining balance in cash. Stores have limited cash on hand, however; a request to redeem an Annual Dividend notice for cash may be handled as a check request at the store's discretion.

• Can I receive my Annual Dividend by check?

  • Yes. You can request a check for your remaining Annual Dividend before it expires. 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.

    To request an Annual Dividend check to be sent to your current address or an updated address:

    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.

    1. Fill out the online form. This is a fast and easy way to get your check. Please note: A check will be issued only in the primary cardmember’s name.
    2. Or call us: 1-800-426-4840 (U.S. and Canada); 1-253-891-2500 (International)
    3. Or contact us by mail:
       REI Membership Services
       P.O. Box 1938
       Sumner, WA 98390-0008
• When does my Annual Dividend expire?

  • Your dividend expires on Jan. 3 11:59pm PT, just under two years after it has been issued. For example, your 2020 dividend earned on 2019 purchases will expire in January 2022.