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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 55� per gallon of fuel!
Each time you redeem at least 100 fuel points at Kroger Fuel Centers for the first year!²
No annual fee View Terms and Conditions.
Earn Cash Back with every eligible net purchase.¹
Refer a Friend and earn 2,000 Rewards Points. Get Started!

Apply Now

Fry's Rewards World Elite Mastercard^® benefits

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Travel & Lifestyle Benefits

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 Fees³ on purchases made when you travel abroad or shop online in another country.

Lowest Hotel Rate Guarantee⁴ 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.⁵ 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.⁶ 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^™⁷
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.

View the World Elite Mastercard Guide to Benefits

Everyone wins with Friends

Earn even more when you share with your friends. Get bonus Rewards Points for yourself when you refer your Friends.

What you get
Earn an additional 2,000 Rewards Points for every Friend you refer who applies, is approved and makes a first purchase. No limits on the number of friends, so invite everyone.⁸

What your friend gets
Will earn a $50 statement credit once approved and makes their first purchase.⁹

Get started referring friends for the Fry's Rewards World Elite Mastercard^®

Fry's Rewards World Elite Mastercard^®

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

Skip to Legal Disclosures

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. Rewards can be redeemed via Real-Time Rewards after making an eligible purchase of $10 or more at Kroger Family of Companies or via statement credit once you have earned a minimum of 1,000 Rewards Points (worth $10). Rewards can be redeemed via Kroger Family of Companies Gift Cards when you have earned a minimum of 2,500 Rewards Points (worth $25).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 World Elite Mastercard® in order to receive the fuel discount The first-year additional 55¢ discount offer expires one year from the cardmember’s approval date and does not require a spend minimum. However, if your posted spend is at least $6,000 on net eligible purchases during the first 12 months that your Account is open, once the additional 55¢ discount has expired, you will receive a 25¢ discount for the remainder of that calendar year and for the entirety of the next calendar year, ending the following January 31. The date that a transaction is made may not be the same date that it posts to your Account. After that, eligibility is determined on a calendar year basis. If your spend equals at least $6,000 on net eligible 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¢ (or introductory 55¢) discount has expired and you have not met the minimum posted 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 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 The APR may vary, the variable APR for purchases and Balance Transfers is 18.99% to 29.99% (based on your creditworthiness). The variable APR for Cash Advances is 29.99%. 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, $10 minimum. Balance Transfer fee: 4% of each transfer amount, $10 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: $0.

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⁴ Mastercard Lowest Hotel Rate Guarantee: If you book a qualifying "prepaid hotel rate" or "pay at local hotel rate" hotel stay through the Mastercard Travel & Lifestyle Services program either online or through an authorized program agent using your Mastercard and then find the same hotel room type, in the same hotel, for the same dates, the same number of children and adults, at a lower price online, before taxes and fees, we'll refund you the difference. To receive a refund, you must submit a claim as described in the Terms and Conditions prior to your stay and at least seventy-two (72) hours before the date of your reservation check-in.

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⁵ Certain terms, conditions and exclusions apply. Visit https://travel.mastercard.com for full details. Mastercard Travel & Lifestyle Services are provided by Ten Lifestyle Management Ltd. No travel bookings are being made by Mastercard, nor is Mastercard acting as a travel agency or providing any travel consultation or advice, in connection with Mastercard Travel & Lifestyle Services.

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⁶ 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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⁷ Certain terms, conditions, and exclusions apply. Cardholders need to register for this service. This service is provided by Generali Global Assistance Inc. Please refer to your Guide to Benefits, visit mastercardus.idprotectiononline.com or call 1-800-MASTERCARD (1-800-627-8372) for details.

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⁸ You cannot earn Refer a Friend 2,000 Bonus Rewards Points by referring someone who is already a Kroger Family of Companies Rewards World Elite Mastercard^® Cardmember or an applicant who has been referred by someone else. Please allow 6-8 weeks after the referred application is processed to receive confirmation of your Bonus Rewards Points. A bonus confirmation will appear in the Rewards section of your Kroger Family of Companies Rewards World Elite Mastercard^® statement. Your account must be open in good standing to be eligible for the bonus. Due to confidentiality, sponsors cannot be notified, either in writing or by phone, as to which referrals have been approved for the Kroger Family of Companies Rewards World Elite Mastercard^®. Should U.S. Bank determine that the referral bonuses you receive constitute reportable income, their value will be reported to you and the IRS on form 1099. You are responsible for any federal or state taxes owed on referral bonuses. Consult your tax adviser should you have questions about the taxability of this promotion.

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⁹ For new cardholders only. For limited time only. Subject to credit approval. Must submit application, be approved for the Kroger Family of Companies Rewards World Elite Mastercard^® and make a first purchase with your Kroger Family of Companies Rewards World Elite Mastercard^® to earn the $50 statement credit. Please allow 6-8 weeks after the promotion period for your statement credit to be awarded. A statement credit will appear on your Rewards Mastercard^® billing statement. Your account must be open and in good standing to receive this bonus.

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Benefits

Fry's Rewards World Elite Mastercard® benefits

Travel & Lifestyle Benefits

Emergency Benefits

Enhanced Security

Everyone wins with Friends

Fry's Rewards World Elite Mastercard®

Fry's Rewards World Elite Mastercard^® benefits

Fry's Rewards World Elite Mastercard^®