The REI Visa App gives you one-touch access to apply for and manage your REI Visa card. If approved for instant credit, you can shop right now and earn 5% back on your REI purchases!(1)Once you complete the application process using the app and have been approved, a virtual card* can be loaded to your phone. Simply show it to the REI sales specialist at checkout. You can use your virtual card every time you shop at REI or REI.com until your plastic card arrives in the mail. The virtual card will be displayed for 30 days or until the REI Visa card is activated, whichever comes first.