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1-2-3 Rewards Credit Card Benefits

The Fry's REWARDS World Mastercard^® gives you unlimited rewards. Every 1,000 points = $5 in free groceries.

1 point per eligible net $1 spent anywhere¹ Mastercard is accepted.

2 points per eligible net $1 spend in the Kroger Family of Companies (excluding fuel centers).

3 points per eligible net $1 on the Kroger Family of Companies Own Brand Products.

Fry's REWARDS World Mastercard® credit card

Fry's REWARDS World Mastercard^® benefits

An additional 25� off per gallon for one year each time you redeem at least 100 fuel points² at participating Kroger Family of Companies Fuel Centers.

Earn free groceries with every eligible net purchase.¹

No annual fee.

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Earning Rewards¹

Here's an example of what you could earn during a typical 13-week Rewards cycle.
Outside Our Stores	1 point per eligible net $1 spend	You Spend: $250 for new tires for your car You Earn: 250 Rewards Points
Inside Our Stores	2 points per eligible net $1 spend	You Spend: $300 for groceries and other purchases in our stores³ You Earn: 600 Rewards Points
On Kroger Family of Companies Own Brand Products	3 points per eligible net $1 spend	You Spend: $75 on our brand products You Earn: 225 Rewards Points Additional Kroger Family of Brands
Total Points for 1 Month	1,075 REWARDS POINTS = $5 REWARDS

Travel Benefits

Travel Assistance Services.⁴ Provides pre-trip destination information such as visa/passport requirements, immunization, and help with lost/stolen travel documents and luggage. Also provided are referrals to a network of physicians, arranging hospital transfers, and referrals to attorneys, local embassies and consulates, if you are traveling more than 100 miles from home.

MasterRental^® Car Rental Collision Damage Waiver Insurance.⁴ Pays for covered damages (physical damage and theft) to a rental vehicle when your eligible Mastercard is used to initiate and pay for the entire rental transaction.

Travel Assistance with your Fry's REWARDS World Mastercard®

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

Purchasing Power

Satisfaction Guarantee.⁴ If you become dissatisfied with a product you purchase, and the store will not accept a return, you may be eligible for a refund for the cost of the product up to $250.

Purchase Assurance.⁴ Provides coverage for most items you purchase with your eligible Mastercard if the item is damaged or stolen within 90 days of the date of purchase.

Identity Theft Resolution Services.⁴ Assists you with credit bureau notification and credit card replacement, and provides you with an ID Theft Affidavit should you become the victim of Identity Theft.

Purchasing Power of your Fry's REWARDS World Mastercard®

Warranty Manager Service.⁴ Protect and manage important purchases made with your Mastercard. Please see your Guide to Benefits for more information.

Save an additional 25� per gallon of fuel for a year - Each time you redeem
100 Fuel Points.²

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U.S. Bank may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information.

¹ Earn Rewards Points toward free groceries. Rewards Points are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions qualify for Rewards Points, such as Advances, Balance Transfers, and Convenience Checks. You may not redeem Rewards Points, and you will immediately lose all of your Rewards Points, if your Account is closed to future transactions (including, but not limited to, Program misuse, failure to pay, bankruptcy, or death). Purchases made at The Kroger Family of Companies Fuel Centers do not earn Rewards Points. Rewards Certificates sent automatically only to balances greater or equal to 1,000 Rewards Points, if your Account is open and in good standing. Rewards Certificates cannot be redeemed at Fuel Centers. Upon approval, see your Cardmember Agreement for details.

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² Offer applies to new cardmembers only. Discount is available at Kroger Family of Companies Fuel Centers when you redeem at least 100 existing fuel points earned in a single month. Must be approved for the 1-2-3 REWARDS^® World Mastercard^® to qualify for this offer. You must scan, redeem points and pay with your 1-2-3 REWARDS^® World Mastercard^® in order to receive the fuel discount. Additional 25¢ discount offer expires one year from the cardholder’s approval date. Upon expiration, cardholder will receive additional 5¢ fuel discount at Kroger Family of Companies Fuel Centers when they scan, redeem points and pay with their 1-2-3 REWARDS^® World 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. Please see store for fuel discount 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 Calculation doesn't include Kroger Family of Companies Own Brand Products purchases.

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⁴ Certain terms, restrictions and conditions apply. Refer to your Mastercard card "Guide to Benefits" terms for further details and to determine if the auto rental coverage is right for you.

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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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1-2-3 Rewards Credit Card Benefits

Fry's REWARDS World Mastercard® benefits

Earning Rewards1

Travel Benefits

Emergency Benefits

Purchasing Power

Fry's REWARDS World Mastercard^® benefits

Earning Rewards¹