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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

Earn a $100 statement credit when you spend $500 with your card in the first 90 days.³
Earn 2x Fuel Points⁴ and $59 toward a FREE Next-Day Delivery Boost Membership after you apply for the credit card, and complete your Boost Enrollment⁵
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 for the Fry's Rewards World Elite Mastercard®

Fry's Rewards World Elite Mastercard^® benefits

Apply Now for the Fry's Rewards World Elite Mastercard®

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 Fees⁶ on purchases made when you travel abroad or shop online in another country.

Lowest Hotel Rate Guarantee⁷ 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.⁸ 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.⁹ 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^™¹⁰
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.¹¹

What your friend gets
Will earn a $100 statement credit once approved and they spend $500 with their card in the first 90 days.¹²

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

Fry's Rewards World Elite Mastercard^®

Apply now

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" means Apple Pay^®, Samsung Pay, Google Wallet^®, and Garmin 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. “Calendar Year” is defined as the period of time starting with your January statement (which may include transactions made in December) and running through your December statement (which may not include all transactions made in December).

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³ Offer applies to new cardmembers only. For a limited time only. Subject to credit approval. Must submit application, be approved for the Kroger Family of Companies Rewards World Elite Mastercard^® and spend $500 in net purchases within 90 days of Account opening to automatically earn the $100 cash back. Net purchases are purchases minus credits and returns. The $100 cash back will be applied as a statement credit on your Account. Please allow 6-8 weeks after the promotion period for your $100 statement credit to be credited to your Account. Your Account must be open and in good standing to receive this bonus. Upon approval, please refer to your Cardmember Agreement for additional information.

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⁴ $1 in spending = 1 Fuel Point + 1 bonus Fuel Point on qualifying purchases made in-store, curbside pickup and delivery. Gift cards, adult beverage, tobacco products, pharmacy prescriptions, Booth Service, Kroger Ship, The Little Clinic, Fred Meyer Direct, Fred Meyer Jewelry, Vitacost, homechef.com, murrayscheese.com, Fuel purchases, Kroger Rush Delivery, Kroger Delivery Now, or receipt message survey invitations are excluded from Boost Fuel Points benefits. Fuel Points can be redeemed at participating fuel locations.

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⁵ 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 Next-Day Boost membership. If you choose the $99/year Same-Day Boost membership, you will receive a $59 waiver upon enrollment. If you cancel the Kroger Family of Companies Rewards World Elite Mastercard^®, you will be charged for the annual membership unless canceled prior to the end of your 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 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. 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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⁶ The APR may vary, the variable APR for purchases and Balance Transfers is 18.74% to 31.74% (based on your creditworthiness). The variable APR for Cash Advances is 31.74%. 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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⁷ 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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⁸ 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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⁹ 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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¹⁰ 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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¹¹ 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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¹² For new cardholders only. For limited time only. Subject to credit approval. Your friend must submit application, be approved for the Kroger Family of Companies Rewards World Elite Mastercard^® and spend $500 in net purchases within the first 90 days with their new Kroger Family of Companies Rewards World Elite Mastercard^® to earn the $100 statement credit. The friend needs to allow 6-8 weeks after the promotion period for their statement credit to be awarded. A statement credit will appear on their Kroger Family of Companies Rewards World Elite Mastercard^® billing statement. Their 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^®