Fry's REWARDS World Mastercard®

This card is built for Fry’s shoppers who also use mobile wallets regularly, especially for smaller everyday purchases. It works best as a no-annual-fee specialist card, not as your main card, with most of its value coming from 5% back on eligible Apple Pay and Google Pay purchases up to the cap.

Annual Fee

Rec. Credit Score

Excellent

Good For

Mobile wallet spending

How to Apply Estimate your value

All information about Fry's REWARDS World Mastercard® has been collected independently by MaxRewards. Fry's REWARDS World Mastercard® is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Fry's REWARDS World Mastercard® worth it?

This card is great for...

Apple Pay purchases

Google Pay purchases

Fry’s grocery runs

The Fry’s REWARDS World Mastercard® is worth a look if you already shop at Fry’s and you reliably pay with Apple Pay or Google Pay. The headline feature is straightforward: 5% back on mobile wallet purchases, up to $3,000 in spending. That can be useful for everyday errands, dining, and other in-person purchases where mobile wallet is accepted, and the $0 annual fee makes it easy to keep for targeted use.

For most readers, though, this is not a strong one-card setup. The 5% category is capped, Fry’s purchases only earn 2%, and everything else earns 1%. There are no listed ongoing perks to make up for the narrow rewards structure. If you want a free card just for mobile wallet purchases and occasional Fry’s spending, it fits well. If you want broader rewards or richer grocery earnings, you will likely want a different primary card.

MaxRewards Verdict

This card makes the most sense for Fry’s customers who can consistently use Apple Pay or Google Pay and want a no-fee card for that specific spending. Outside of mobile wallet purchases, the rewards are fairly ordinary, so it is better as a side card than a daily driver.

Earning

Rewards

The rewards setup here is simple: the real value is in mobile wallet spending, with a smaller bump for Fry’s purchases and a standard 1% back elsewhere. Think of it as a targeted card for how you pay, not a broad category card.

CategoryRate

Apple Pay

Up to $3,000 spend per year

Google Pay

Up to $3,000 spend per year

Fry's

Everywhere

Rewards percent based on a valuation of 1¢ per Kroger Rewards point

Eligibility

Recommended Minimum Credit

Min: Excellent

Poor

Fair

Good

Excellent

Excellent credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing