Many many years ago, my brother-in-law took us to a REI store in Orange County. We were impressed with the store and the product line, and so we were encouraged and eager to join the co-op. A one-time membership of $15 for life made it possible for us to purchase a lot of products for our use. REI offers a credit card through US Bank. The card pays 1% cash back on regular purchases, 5% back on REI purchases, and REI has been giving a yearly dividend of about 10% of your purchases through REI. Regularly priced products purchased through REI would benefit from the 10% rebate; sale or specially priced items are less than that. However, just getting the rebate check is a plus. REI also has a wonderful replacement policy and have a nice line of products. The only set back with the rebate is that one has to wait until July to "cash in" on the rebate. Other than that, the wait for the rebate is worth it all.