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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

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Fry's REWARDS World Mastercard^® benefits

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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.

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 & Lifestyle Benefits

Travel Assistance Services.⁴ As a World 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.

Cellular Wireless Telephone Protection.⁵ Cellular Wireless Telephone Protection provides reimbursement for the actual cost to replace or repair a stolen or damaged eligible cellular wireless telephone. Coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions and terms of liability of this benefit. The maximum liability is $600 per claim for World Mastercard, and $1,000 per covered card per 12-month period. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per covered card per 12-month period. To get coverage, you must charge your monthly eligible cellular wireless telephone bill to your card.

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^™⁵
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.

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

Fry's REWARDS World Mastercard^®

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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. Subject to credit approval. If approved, please refer to the Cardmember Agreement included with your card at the time of opening.

¹ Subject to credit approval. 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 are eligible 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, due to Program misuse, failure to pay, bankruptcy, or death). Rewards Points expire after 36 months. Purchases made at The Kroger Family of Companies Fuel Centers do not earn Rewards Points or fuel points. Rewards sent automatically only to balances greater than or equal to 1,000 Rewards Points, if your Account is open and in good standing. Rewards Certificates cannot be redeemed at Fuel Centers.

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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.

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⁵ Terms and conditions apply to Cellular Wireless Telephone Protection and Mastercard ID Theft Protection. For more information, call the Mastercard Assistance Center at 1-800-Mastercard: 800.627.8372.

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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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1-2-3 Rewards Credit Card Benefits

Fry's REWARDS World Mastercard® benefits

Earning Rewards1

Travel & Lifestyle Benefits

Emergency Benefits

Enhanced Security

Fry's REWARDS World Mastercard®

Fry's REWARDS World Mastercard^® benefits

Earning Rewards¹

Fry's REWARDS World Mastercard^®