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Benefits

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

up to
5% Cash back

on mobile wallet and Kroger Pay transactions²

2% Cash back

Inside of our Stores

1% Cash back

Outside of our Stores

Save an additional 25� per gallon of fuel!
Each time you redeem at least 100 fuel points at Kroger Family of Companies Fuel Centers for the first year and thereafter when you spend $6,000 in a calendar year.³
Earn a FREE Next-Day Delivery Boost Membership for a year ($59 value)⁴
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 Fees⁵ on purchases made when you travel abroad or shop online in another country.

Lowest Hotel Rate Guarantee⁶ 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.⁷ 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.⁸ 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^™⁹
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.¹⁰

What your friend gets
Will earn a $50 statement credit once approved and makes their first purchase.¹¹

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 considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Rewards expire after 36 months. Rewards are only available for redemption if your Account is open and in good standing (not past due or overlimit). Rewards can be redeemed via Real-Time Rewards when you make an eligible purchase of $10 or more at Kroger Family of Companies or via statement credit when 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). Purchases made at Kroger Family of Companies Fuel Centers do not earn Rewards Points. Upon approval, see your Cardmember Agreement for details.

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² Kroger Pay non-fuel transactions earn 5% cash back on the first $3,000 in purchases each calendar year and 2% on amounts above that. Kroger Pay transactions at Fuel Centers do not earn rewards. Mobile wallet transactions (excluding Kroger Pay) earn 5% on the first $3,000 in purchases each calendar year and 1% on amounts above that, regardless of where the transaction was made, including Kroger Family of Companies locations. "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 a Kroger Pay or Mobile Wallet transaction might also qualify as a rewards category transaction, then the card issuer has sole discretion on how to categorize the transaction.

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³ Offer applies to new cardmembers only. Subject to credit approval. The first-year additional 25¢ discount offer expires one year from the cardmember’s approval date and does not require a spend minimum. Following completion of the introductory fuel offer, your Account will be eligible for an additional 25¢ per gallon discount at Kroger Family of Companies Fuel Centers when you (1) spend $6,000 annually in eligible net purchases and (2) 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. You must spend at least $6,000 in a calendar year (or within the ﬁrst 12 months after Account opening, as described below). The date that a transaction is made may not be the same date that a transaction posts to your Account. Transactions must post within the 12-month period to be applied toward the required minimum spend amount. Once the minimum spend is reached, you will be eligible to receive the 25¢ fuel discount starting within the next calendar month. Your Account must be open and in good standing (not past due or overlimit) at the time you qualify to receive the fuel discount. Fraudulent transactions will not earn fuel points. The 25¢ fuel discount expires on January 31st and following that date, you will receive 5¢ off per gallon of fuel unless the previous calendar year’s eligible net purchases on your Account totaled at least $6,000 (in which case the 25¢ discount will continue for the remainder of the year). To be eligible for the ﬁrst calendar year after the Account is opened, your posted spend must equal at least $6,000 during the ﬁrst 12 months that your Account is open. Eligibility for the second year (even if Account has not been open for 12 months), and future years, is determined on a calendar year basis starting January after the Account is opened. 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 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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⁴ Boost offer applies to new credit cardmembers who apply and are approved for the Kroger Family of Companies Rewards World Elite Mastercard®. Must enroll for Boost Membership and provide payment information to activate your membership and receive free one-year Next-Day Boost membership. If you choose the $99/year Same-Day Boost membership, you will receive a $59 waiver upon enrollment. Upon expiration of free membership period, you will be charged for an annual membership unless canceled prior to the end of free membership period. An annual membership currently costs $59/year for the Next-Day Membership and $99/year for the Same-Day Membership, but the cost of the yearly membership is subject to change. You can cancel any time before the end of the first year of membership by visiting your membership page. If you decide to cancel, your current Boost benefits will be available until the end of your membership period. Only one free Boost membership per household. Current Boost members must re-enroll to redeem Boost membership and you will receive complimentary one-year membership in the Boost program after current Boost membership expires. Offer cannot be used for payment of current Boost membership. See the Kroger Family of Companies website for more information regarding Boost membership.

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⁵ The APR may vary, the variable APR for purchases and Balance Transfers is 19.24% 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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⁶ 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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⁷ 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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⁸ 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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⁹ 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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¹⁰ 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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¹¹ 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^®