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Benefits

Earn cash back with the Fry's Rewards World Elite Mastercard^®.¹

5% Cash back

on mobile wallet purchases for the first $3,000, then 1% thereafter

2% Cash back

Inside of our Stores

1% Cash back

Outside of our Stores

Save an additional 25� per gallon of fuel every day! Each time you redeem at least 100 fuel points at Kroger Fuel Centers for the first year and thereafter when you spend $6,000 in a calendar year.²
No annual fee View Terms and Conditions.
Earn Cash Back with every eligible net purchase.¹

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Fry's Rewards World Elite Mastercard^® benefits

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Travel & Lifestyle Benefits³

As a World Elite Mastercard^® cardholder, gain access to Mastercard Travel & Lifestyle Services, a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in class travel companies across hotels, air travel, tours, cruises, car rentals and more.

No Foreign Transaction Fees⁴ on purchases made when you travel abroad or shop online in another country.

Lowest Hotel Rate Guarantee if you book a qualifying prepaid hotel rate through Mastercard Travel & Lifestyle Service and you find the same exact hotel stay for less, Mastercard will refund the difference.

Complimentary professional travel services. You have access to a Lifestyle Manager that will help you plan your vacation - complimentary, at your convenience. Call, email or live chat with a Lifestyle Manager 24/7/365 to help with all your travel.

Emergency Benefits

Mastercard Global Service™. Get assistance virtually anytime, anywhere with your card related questions. Call 1-800-MC-ASSIST or 1-800-622-7747. Mastercard Global Services helps you with reporting a Lost or Stolen Card, obtaining an Emergency Card Replacement or Cash Advance, finding an ATM location, and answering questions on your account.

Zero fraud liability.⁵ Pay only for purchases which you have authorized on your Mastercard. Unauthorized purchases are not your responsibility. Conditions and exceptions apply.

24-hour service

Enhanced Security

Mastercard ID Theft Protection^™⁶
Mastercard ID Theft Protection (IDT) provides you with access to a number of identity theft resolution services, should you believe you are a victim of identity theft. This product offering will alert you about possible identity theft by monitoring the surface, dark and deep web, searching for compromised credentials and potentially damaging use of your registered personal information in order to detect fraud at its inception. Services provided are on a 24-hour basis, 365 days a year. You must enroll at: https://mastercardus.idprotectiononline.com.

Fry's Rewards World Elite Mastercard^®

Apply now for the Fry's Rewards World Elite Mastercard^®

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¹ Subject to credit approval. Cash Back rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible for Cash Back rewards such as Advances, Balance Transfers, and Convenience Checks. You may not redeem rewards, and you will immediately lose all of your rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Rewards expire after 36 months. Rewards are only available for redemption if your Account is open and in good standing. Purchases made at Kroger Family of Companies Fuel Centers do not earn Rewards Points. Earn 5% cash back on mobile wallet transactions (excluding Kroger Pay) up to $3,000 per calendar year. After your annual spend is met, you will receive 1% cash back on eligible mobile wallet purchases through the remainder of the calendar year. "Mobile wallet" is defined as the method of paying for a transaction by use of a mobile device (in a store, in-app or online) and includes Apple Pay®, Samsung Pay, Google Pay™, Garmin Pay™ and LG Pay®. If the transaction is an eligible mobile wallet transaction and an eligible cash back rewards category transaction, additional cash back rewards will only be awarded for the mobile wallet transaction types. Once you earn a minimum of $10 in Rewards you can redeem your cash back via a statement credit or Real-Time Rewards. Earn a minimum of $25 in Rewards to redeem for a Kroger Family of Companies Gift Cards. Upon approval, see your Cardmember Agreement for details.

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² Offer applies to new cardmembers only. Subject to credit approval. Discount is available at Kroger Family of Companies Fuel Centers each time you redeem at least 100 existing fuel points earned in a single month. You must scan, redeem fuel points and pay with your Kroger Family of Companies Rewards Elite Mastercard® in order to receive the fuel discount. Additional 25¢ discount offer expires one year from the cardmember’s approval date and does not require a spend minimum. However, if you spend at least $6,000 on net eligible purchases during the first 12 months that your Account is open, the 25¢ discount will be extended for the remainder of that calendar year and for the entirety of the next calendar year, ending the following January 31. After that, eligibility is determined on a calendar year basis. If you spend at least $6,000 on purchases in a calendar year, you get the 25¢ discount for the remainder of that calendar year (starting the month after you met the minimum spend requirement) and for the entirety of the next calendar year, ending the following January 31. If the additional 25¢ discount has expired and you have not met the minimum spend requirement in the prior or current year, you will instead receive an additional 5¢ fuel discount at Kroger Family of Companies Fuel Centers when you scan, redeem fuel points and pay with your Kroger Family of Companies Rewards World Elite Mastercard®. Not valid with any other fuel offer. Accumulation excludes taxes, office services, alcohol, tobacco, fuel, prescriptions and any purchases prohibited by law. Fuel discount effective for a limited time at participating fuel center locations. Not valid in LA, MO or where prohibited by law. Purchases made at Kroger Family of Companies Fuel Centers do not earn Rewards Points or fuel points. Please see store for fuel discounts details and in-store spending requirements. Selling or purchasing fuel points is prohibited. Fuel redemption offer cannot be combined with any other discounts. No discounts to dealers, wholesalers, or fleet programs. No cash back. Not valid where prohibited by law. We may suspend or remove you from the fuel program due to violation of these terms or because of fraudulent activity or suspected fraudulent activity.

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³ Certain terms, restrictions and conditions apply. Refer to your Mastercard "Guide to Benefits" terms for further details.

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⁴ The APR may vary and as of 10/26/21, the variable APR for purchases and Balance Transfers is 13.99-26.99% (based on your creditworthiness). The variable APR for Cash Advances is 26.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 4% of each check amount, $10 minimum. Cash Equivalent fee: 5% of each cash amount, $20 minimum. Balance Transfer fee: 4% of each transfer amount, $10 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: $0.

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⁵ U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

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⁶ Terms and conditions apply to Mastercard ID Theft Protection. For more information, call the Mastercard Assistance Center at 1-800-Mastercard: 800.627.8372.

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⁷ Offer applies to new cardmembers only. Subject to credit approval. Discount is available at Kroger Family of Companies Fuel Centers each time you redeem at least 100 existing fuel points earned in a single month. You must scan, redeem fuel points and pay with your Kroger Family of Companies Rewards Elite Mastercard® in order to receive the fuel discount. Additional 25¢ discount offer expires one year from the cardmember’s approval date and does not require a spend minimum. However, if you spend at least $6,000 on net eligible purchases during the first 12 months that your Account is open, the 25¢ discount will be extended for the remainder of that calendar year and for the entirety of the next calendar year, ending the following January 31. After that, eligibility is determined on a calendar year basis. If you spend at least $6,000 on purchases in a calendar year, you get the 25¢ discount for the remainder of that calendar year (starting the month after you met the minimum spend requirement) and for the entirety of the next calendar year, ending the following January 31. If the additional 25¢ discount has expired and you have not met the minimum spend requirement in the prior or current year, you will instead receive an additional 5¢ fuel discount at Kroger Family of Companies Fuel Centers when you scan, redeem fuel points and pay with your Kroger Family of Companies Rewards World Elite Mastercard®. Not valid with any other fuel offer. Accumulation excludes taxes, office services, alcohol, tobacco, fuel, prescriptions and any purchases prohibited by law. Fuel discount effective for a limited time at participating fuel center locations. Not valid in LA, MO or where prohibited by law. Purchases made at Kroger Family of Companies Fuel Centers do not earn Rewards Points or fuel points. Please see store for fuel discounts details and in-store spending requirements. Selling or purchasing fuel points is prohibited. Fuel redemption offer cannot be combined with any other discounts. No discounts to dealers, wholesalers, or fleet programs. No cash back. Not valid where prohibited by law. We may suspend or remove you from the fuel program due to violation of these terms or because of fraudulent activity or suspected fraudulent activity.

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Benefits

Fry's Rewards World Elite Mastercard® benefits

Travel & Lifestyle Benefits3

Emergency Benefits

Enhanced Security

Fry's Rewards World Elite Mastercard®

Fry's Rewards World Elite Mastercard^® benefits

Travel & Lifestyle Benefits³

Fry's Rewards World Elite Mastercard^®