a picture of a mastercard among illustrated flowers

Apply now for the REI Co-op® Mastercard®

Members, start earning rewards!
  • Earn 5% in rewards on REI Co-op purchases1
  • Earn 1.5% in rewards on all other purchases2
  • Plus, redeem rewards as you earn them3

To start your application, please complete the steps below.

Once you confirm your information above, you’ll be able to apply. Need help? Contact us.

REI CO-OP® MASTERCARD® Terms & Conditions

  • *Earn a $100 REI gift card when you make your first purchase outside of REI within 60 days from account opening. Existing or previous REI Co-op Mastercard cardholders will not be eligible for this one-time gift card. Once you qualify, you will be sent an e-gift card if we have a valid email address on file. Otherwise, a physical gift card will be sent to the primary account holder’s address within 6-8 weeks.

  • 1You will earn 5% back in REI Co-op Mastercard Rewards on net purchases (purchases minus any credits or returns) made at REI retail locations and REI.com. Purchases include full-price and discount-price items, REI gift cards, services, fees and REI adventure travel-invoiced trip payments. You will also earn 5% back in REI Co-op Mastercard Rewards for donations made to the 501(c)(3) REI Cooperative Action Fund at REIfund.org or in-store at point-of-sale. Purchases made on promotional credit plans at REI do not qualify for rewards.

  • 21.5% back in REI Co-op Mastercard Rewards on all other purchases. Earnings will apply to net purchases only. Cash advances and balance transfers are not considered purchases and will not earn rewards.

  • 3Rewards are earned and available for redemption when posted to your account (generally 1-2 business days after the purchase is posted).

  • Terms apply. The REI Co-op Mastercard is issued by Capital One, N.A. pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. REI and the REI Co-op logo are trademarks of Recreational Equipment, Inc. © 2023 Recreational Equipment, Inc. All rights reserved.