Have a Question About the REI Visa Card?

Check out our list of frequently asked questions.

Not a Cardmember yet?

Applying for the REI Visa Card

How can I apply for an REI Visa card?
It's easy! Apply online or call 1-877-734-9737 to apply by phone.
How can I check the status of my application?
Please call 1-800-947-1444 and choose option 1 for the status of an application. For your security, you will be required to enter your social security number to locate the application. Additional verification item(s) may be needed to validate.
Is there an annual fee for the REI Visa card?
There is no annual fee (see Terms & Conditions). 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 lifetime membership is only $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: 1-877-734-8742 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 comes with additional Visa Signature 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’ll receive notification of the status of your application within 7–10 business days.

Using Your REI Visa Card

Can I use the REI Visa card only at REI?
No, your REI Visa card can be used anywhere Visa credit cards are accepted. You can use the REI Visa card for your monthly bills, online purchases, travel, restaurants, newspapers—you earn 1% back on all of these non-REI purchases. This 1% back on non-REI purchases¹ is combined with 5% back on REI purchases² and with your REI member refund³ 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.

1% Back Details

Can I get the 1% back on any type of transaction?
Almost every purchase or payment transaction earns you 1% back¹—except purchases at REI. (At REI you earn 5% back² and an REI member refund—typically 10% on eligible purchases³).
Do I receive 1% back for my REI purchases?
No, the 1% back applies to non-REI purchases¹ only. For REI purchases you will receive 5% back², plus a member refund, typically 10% on eligible REI purchases³.
When will I receive my 1% back?
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 card 1% back¹, REI Visa card 5% back² and REI member refund³.

5% Back Details

What type of purchases get the 5% back?
You will earn 5% back 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% back?
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 card 1% back¹, REI Visa card 5% back² and REI member refund³.

Your REI Member Refund

How do the rewards affect my REI Member Refund?
The 5% and 1% are added to the REI member refund (typically 10% on eligible REI purchases).³ The result: You see an increase in your annual REI member dividend.
How do purchase returns affect my rebate balance?
The 1% back¹ and 5% back² 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 rebate. The merchandise return date and your billing cycle will determine if REI receives information to recalculate totals before rebates are calculated.

REI Visa Card Benefits & Services

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 by enrolling in Internet Banking. 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. Learn more about the benefits of Online Banking

Making Your Payments

Can I pay my Visa bill online?
Learn more about the easy ways to make a payment to your REI Visa card.

Additional Questions

Whom should I call with questions about my REI Visa card?
Contact 24-hour Cardmember Service at 1-877-734-8742 (TDD 1-888-352-6455).
What should I do when my card number or expiration date change?
1. Activate your new card as soon as you get it in the mail.
2. Update your new information with all merchants that bill your card
  automatically, i.e.:
  • Utilities: gas, water, electric and garbage
  • Online services: iTunes and PayPal
  • Recurring expenses: cell phone, insurance and cable TV
  • Subscriptions: magazine, newspapers
3. Make payments as usual to the statement showing your old credit card
  number. The system will credit your account appropriately, and your next
  statement will reflect the new number.
4. Destroy any remaining credit or check cards with the old card number or
  expiration date.
5. Destroy all convenience checks with your old credit card number.
How do I specify my Overlimit Coverage Preferences?
REI Visa Signature Cardmembers:
Signature Cardmembers have no pre-set spending limit so Overlimit Coverage does not apply.
REI Visa Platinum Cardmembers:
You can request that we cover overlimit transactions by opting in to authorize transactions that exceed your Credit Limit. If you opt in and we permit you to go over your Credit Limit, we will charge you an Overlimit Fee. You will only pay one fee per billing cycle, even if you go over your Credit Limit multiple times in the same cycle. To learn more or to change your Overlimit Coverage preferences:
1. Log in to Internet Banking
2. Select your Card account page
3. Select ?Overlimit Fee Preference? at the top of the page
4. Review the information provided and make your selection
Alternatively, you may contact REI Visa Cardmember Service at 1-877-734-8742 to change your preferences.
What steps can I take to help maintain good credit?
Visit usbank.com/creditwellness for helpful information about how credit can play a role in your life.
REI Visa cardmembers enrolled in Internet Banking can now obtain their Experian® credit score – at absolutely no cost! Learn more.
How do I read my statement?
Your statement is designed to make it easy to view important information on your account. Learn more.

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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.

Terms & Conditions

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

¹ 1% back applies to net non-REI purchases (purchases minus credits and returns) only. Advances, convenience checks, balance transfers, interest or finance charges and fees, credit insurance charges, or transactions to fund certain prepaid card products are not eligible.

² 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.

³ No member refund on REI gift cards, services, fees, REI Adventures trips or discount-price items.