Reading Your Statement

It's Easy to Find What You Need

Statement Diagram

Your REI Visa card monthly statement provides a wealth of information about your account. The diagram at right shows where you'll find the key categories of information.

  1. Activity Summary

    Your Previous Balance, Payments and Other Credits, Advances, Interest Charged and fees

  2. Credit Information

    Your New Balance, Revolving Line of Credit1 and Revolving Line Available.

  3. Payment Information

    This section includes the Minimum Payment Due, Payment Due Date and information about Late Payment and Minimum Payment Warnings, which help you budget to avoid paying late fees and better manage your account.2

  4. REI Visa Rebates

    The rebates you've earned for this statement period and your year-to-date totals. 5% on REI purchases3, 1% on non-REI purchases.4

  5. Transactions

    Transactions are grouped into three categories: Payments and Other Credits; Purchases, Advances, Debits; and Finance Charges.

  6. Payment Slip

    Includes Account Balance, Minimum Payment Due and Payment Due Date. If you pay by mail, detach and return this portion with your check, payable to U.S. Bank.

  7. Interest Charge Calculation

    Current rates that apply to your balances.

  8. Important Messages

    Brief alerts, plus important information for cardmembers from REI and/or U.S. Bank.

  9. How to Contact Us

    Questions about your account? Contact us at these phone numbers and address.

  10. Offers and Updates

    Check this area for occasional offers, gift ideas and more.

We may change APRs, fees and other Account terms in the future based on your experience with U.S. Bank National Association ND and its affiliates as provided under the Cardmember Agreement and applicable law.

Terms & Conditions 

The creditor and issuer of the REI Visa card is U.S. Bank National Association ND. ©2010 U.S. Bancorp. All rights reserved.


1 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.
2 The Minimum Payment Warning information is dependent on predetermined account status details and will therefore not appear on all statements.
3 5% rebate applies to net REI purchases including full-price and discount-price items, REI gift cards, services, fees and REI Adventures-invoiced trip payments.
4 1% rebate applies to net non-REI purchases only. Advances, convenience checks, balance transfers, interest or finance charges and fees, credit insurance charges, or transactions to fund certain prepaid card products such as Visa Buxx® are not eligible.