REI Visa - FAQs


Have a Question About the REI Visa Card?

Check out our list of frequently asked questions.

Not a Cardmember yet? Apply Now! 

Applying for the REI Visa Card

Using Your REI Visa Card
  • Click to Show/Hide 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.
  • Click to Show/Hide 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
  • Click to Show/Hide 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).
  • Click to Show/Hide 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.
  • Click to Show/Hide 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
  • Click to Show/Hide 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.
  • Click to Show/Hide 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
  • Click to Show/Hide 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.
  • Click to Show/Hide 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

Making Your Payments

Additional Questions
  • Click to Show/Hide Whom should I call with questions about my REI Visa card?
    Contact 24-hour Cardmember Service with any questions about your REI Visa card.
  • Click to Show/Hide 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.
  • Click to Show/Hide 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 Online 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 to change your preferences.

  • Click to Show/Hide 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 Online Banking can now obtain their Experian® credit score4 – at absolutely no cost! Learn more.

  • Click to Show/Hide How do I read my statement?
    Your statement is designed to make it easy to view important information on your account. Learn more.

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.

©2014 U.S. Bank National Association. All rights reserved.


1 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.
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 10% is typical but not guaranteed. Your refund is based on eligible purchases, which exclude REI-OUTLET.com 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 Your Experian Credit Score is for educational purposes and is not a score used by lenders.