How can I apply for an REI Visa card?
It's so easy! Apply online or call 877-734-9737 to apply by phone.

Is there an annual fee for the REI Visa card?
There is no annual fee. REI and U.S. Bank worked together to make the REI Visa card a great value for REI members. And remember, when you pay your bill in full by the payment due date each month you pay no interest either.

Do I have to be a U.S. Bank customer to get the REI Visa card?
No, you just need to be an REI member. If you have a U.S. Bank checking or savings account, however, there are added advantages including overdraft protection for, and expanded account access to your U.S. Bank checking or savings account.

Can I receive an REI Visa card without being an REI member?
You must be an REI member to apply. Rebates earned on purchases are included in the annual REI dividend notice, so you'll want to be a member to receive the rewards. A one-time REI membership fee is $20 and entitles you to other special benefits.

Can I use my spouse's REI membership number to apply for an REI Visa card?
No, the primary REI Visa cardmember's name must match the REI member name and associated member number. However, additional REI Visa cards can be requested for family members. Call Cardmember Service: 877-734-8742 or fill out a mail-in form to make a request.

What's the difference between the REI Visa Signature and REI Visa Platinum card?
The Signature card offers a lower APR (Annual Percentage Rate) of Prime + 9.99% for purchases vs. Prime + 10.99% for Platinum. The Signature card also comes with additional benefits.

How can I select the Signature or the Platinum card?
If you're eligible for the REI Visa Signature card, we'll automatically send you one. Otherwise, you'll be considered for the REI Visa Platinum card.

What is the APR?
The APR is competitive for credit cards that offer rewards. Find current rates.

How long will it take to receive my card?
You will receive notification of the status of your application within two to three weeks.

Can I use the REI Visa card only at REI?
No, your REI Visa card can be used anywhere Visa cards are accepted—just like any other Visa card. You can use the REI Visa card for your monthly bills, online purchases, travel, restaurants, newspapers—you earn a 1% rebate on all of these non-REI purchases. This 1% rebate on non-REI purchases is combined with the 5% rebate on REI purchases and with your REI member refund to total your annual REI dividend.

Can I use the REI Visa card to get cash from ATMs?
Yes, you can use your REI Visa card for cash advances at ATMs that accept Visa credit cards. Enjoy this convenience at thousands of ATM locations worldwide.

Can I get the 1% rebate on any type of transaction?
Almost every purchase or payment transaction earns you a 1% rebate—except purchases at REI. (At REI you earn a 5% rebate and an REI member refund—typically 10%). Balance transfers, convenience checks, cash advances, finance charges and fees are not eligible for the 1% rebate.

Do I receive a 1% rebate for my REI purchases?
No, the 1% rebate applies to non-REI purchases only. For REI purchases you will receive a 5% rebate, plus a full member refund (typically 10%) on eligible REI purchases.

When will I receive my 1% rebate?
You will receive your rebate in March. It is delivered as part of your annual REI dividend, which is a combination of your REI Visa 1% rebate, REI Visa 5% rebate and REI member refund.

How do I get the 5% rebate?
You will earn a 5% rebate on every purchase at REI when you use your REI Visa card. The rebate is earned on net REI purchases including full-price and discount-price items, REI gift cards, services, fees and REI Adventures–invoiced trip payments.

When will I receive my 5% rebate?
You will receive your rebate in March. It is delivered as part of your annual REI dividend, which is a combination of your REI Visa 1% rebate, REI Visa 5% rebate and REI member refund.

Are rebates and refunds the same thing?
Rebates and refunds are different from one another. Rebates are the 1% and 5% returns you get from purchases made with your REI Visa card; a member refund (typically 10%) is the return that REI members get each year that's based on REI's profits and your individual purchase amounts at REI. Your rebates and member refund are added together to create your annual REI dividend.

How do purchase returns affect my rebate balance?
The 1% and 5% rebates from all returns credited to your REI Visa card account will be deducted from your rebate balance. Returns made in January will not be recalculated on the prior year's purchases but may be reflected as a negative on the next year's refund. The merchandise return date and your billing cycle will determine if REI receives information to recalculate totals before rebates are calculated.

Are there other benefits besides increasing my REI dividend?
Yes. You can take advantage of many Visa benefits in addition to your REI benefits. These include Travel Accident Insurance, Auto Rental Insurance and more. Also, REI Visa Signature cardmembers receive special Visa benefits. See the complete list of benefits.

Can I access my REI Visa card account online?
Yes. You can access your REI Visa card account from any Internet-enabled computer. With just a few clicks, you'll be in the know about your balance, your charges and more. You can also pay your REI Visa bill quickly online.

Can I pay my Visa bill online?
Yes. Using WebPay you can pay your REI Visa card bill from your Internet-enabled computer. It's fast and it's free. Your bill will be paid from the checking or savings account you specify when you enroll. To enroll online, be ready with your REI Visa card number, the account number and RTN* for the checking or savings account from which you want to pay your bill. Enroll now when you sign up for Internet Banking.
*Note: Your RTN (Routing and Transit Number) is the 9-digit number found on the bottom of your checks at the far left. For savings accounts, credit union or money market accounts, you'll need to request your RTN from your bank.

Can I pay my Visa bill by phone?
Yes. With our PhonePay payment option, you use a touch-tone phone to call in your payment from anywhere. It's fast and easy. First you'll need to sign up for this option specifying the checking or savings account from which you'll pay your bill. Then when you receive your REI Visa card statement, you're set. Just call Cardmember Service at 877-734-8742 anytime before your payment due date—even on the due date if you call before 5 p.m. (CST). Have your REI Visa card account number handy and follow the instructions. To sign up, print the AutoPay/PhonePay form (PDF) and complete and return it to us at the address noted on the form.

Note: There is a $10 fee for each use of PhonePay—unless you are making payments through a U.S. Bank checking or savings account—then it's free. Confirmation of the service charge will be provided before the payment transaction is authorized. Remember to subtract your payment and the fee from your checking or savings account.

Can I have my REI Visa bill paid automatically?
Yes. With AutoPay, your bill can be paid automatically each month from a checking or savings account you specify. It's easy, it's free, and it saves you time. You must sign up first. Then once you're signed up, you'll still receive your monthly bill. The amount of your payment and the transaction date will appear on your statement so you'll know how much was paid and when. Just remember to subtract the payment amount from your checking or savings account. To sign up, print the AutoPay/PhonePay form (PDF) and complete and return it to us at the address noted on the form.

Where do I mail my payment?
Use the pre-addressed envelope provided with your REI Visa card statement, or mail to:
U.S. Bank
P.O. Box 790408
St. Louis, MO 63179-0408

Please make sure to include your Account Number in the memo area.

Who should I call with questions about my REI Visa card?
Contact 24-hour Cardmember Service at 877-734-8742 (TDD 888-352-6455).