REI Visa - Cardmember Benefits

Exclusive Benefits of the REI Visa Card 

  • 5% back at REI1 including sale and full-price items, REI gift cards and REI Adventures trips.
  • 1% back everywhere else2 including your monthly bills when you pay them with your REI Visa card. Your 1% rebate is included annually in your REI dividend. The more you use your REI Visa card for gas, food and monthly bills, the more your dividend grows.
    Example of Possible Earnings in a Year



    1% Back2

    5% Back1

    REI Member Refund3

    You Get

    Full-price items at REI $800 -- $40 $80 $120
    Sale items at REI $400 -- $20 -- $20
    REI Adventure trip $4,800 -- $240 -- $240
    Non-REI items $7,000 $70 -- -- $70
    Your Annual REI Dividend $450
  • All This on Top of Your REI Member Refund (typically 10% on eligible REI purchases)3 
  • REI Gift Card upon Approval and First Purchase4 
  • REI Visa Gives Back to the Outdoors: On behalf of REI Visa cardmembers, U.S. Bank donates funds to organizations that give back to the outdoors. Recipients are chosen in partnership with REI in support of REI's giving philosophy.

Don't have an REI credit card yet?  Learn more at

You Also Get These
Additional Benefits:
REI Visa Signature card REI Visa Platinum card 
REI Visa Signature REI Visa Platinum
Visa Signature Benefits
No Pre-set Spending Limit5  X
Concierge Service6  X
Premium Offers7  X
Special Dining Privileges7  X
Purchasing Power
Worldwide Acceptance  X X
Easy Cash Access  X X
Purchase Security7  X X
Warranty Manager7  X X
Important Travel Benefits
Travel & Emergency Assistance7  X X
Travel Accident Insurance7  $1,000,000 $250,000
Auto Rental Collision Damage Waiver7  X X
Emergency Features
Emergency Card and Cash  X X
Zero Fraud Liability8  X X
24-Hour Cardmember Service  X X
Added Convenience Features
Free Credit Score9 X X
Exclusive Cardmember Offers  X X
Convenient Services  X X
Note: If you are eligible for the REI Visa Signature card, we'll automatically send you one. Otherwise, you will be considered for the REI Visa Platinum card.


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 creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

©2015 U.S. Bank National Association. All rights reserved.

1 5% back applies to net REI 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 1% back applies to net non-REI purchases (purchases minus credits and returns) only. Advances, convenience checks, balance transfers, interest charges and fees, credit insurance charges, or transactions to fund certain prepaid card products are not eligible.
3 10% is typical but not guaranteed. Your refund is based on eligible purchases, which exclude items, sale and clearance items (prices ending in $._9 or $._3), items discounted 15% or more, gift cards, REI Adventures trips, REI Outdoor School classes and outings, sales tax, postage, mounting, engraving, labor, rental fees, lift tickets, government agencies and membership fee.
4 REI Gift Card Offer: To receive this one-time REI gift card, you must be an REI member, apply and be approved for an REI Visa card and then activate your card and make a purchase within 60 days. Purchase requirement is met by purchases only; balance transfers, convenience checks, cash advances, interest charges and fees are not applicable. Six to eight weeks after that purchase, the REI gift card will be mailed to the primary applicant's address. This offer is subject to credit card approval and your new REI Visa card account must be open and in good standing at time of fulfillment to receive the REI gift card. This gift card offer is available only to new REI Visa card accounts booked through this special offer. Existing and previous REI Visa cardmembers are not eligible for this offer.  
5 The REI Visa Signature card provides the benefit of a No Pre-Set Spending Limit and a Revolve Limit that allows you to carry a designated part of your balance from one statement to the next. A No Pre-Set Spending Limit does not mean unlimited spending.  Authorizations are provided using information such as account history, credit record, income verification and liquid assets. If card issuer authorizes a transaction that causes you to exceed your revolving credit line, then you must pay, as a part of your monthly minimum amount due, the amount by which your new balance exceeds your credit line.
6 Cardholders are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardholders’ behalf.
7 Certain terms, restrictions and conditions apply. Refer to your Visa card "Guide to Benefits” terms for details.
8 U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.
9 The free TransUnion credit score is for educational purposes only and is not used by U.S. Bank to make credit decisions.