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Yeah, that turned into a Laurel and Hardy skit in short order. "But it's 'lifetime!'"
Uh-huh. You want to bet?
I had their credit card, too, for the simple expedient that you could take the rewards points and cash them out. You can't do that anymore, because you can't cash out membership rewards at all anymore. Which to be frank was the only reason to shop there since the pathologically sell everything at 100% full list price all the time. The dodge was you could get your discount in a roundabout way later by combining your normal membership points with the extra from the card, and then cash it out. Now that the membership points are just more company scrip, this is pointless. You may as well just buy the same stuff from somebody else for less, since there's certainly no longer any ethical benefit to purchasing from REI to make up for paying extra.
Meanwhile, US Bank (the bank which used to issue their credit card before the transition) offers a Visa with precisely the same rewards structure as the old REI card, sans the extra couple of points on specifically REI purchases, which you can likewise cash out. So I just got one of those instead. It seems I wasn't the only one who figured this out, because the CSR I spoke to in the process told me a lot of people were doing the same thing at that time.
Haha, I always felt scummy selling the credit cards, but that and the number of memberships you sold determined your hours.