Harris Teeter REWARDS World Mastercard®

Yes, if you shop at Harris Teeter and regularly pay with Apple Pay or Google Pay. The biggest draw is the 5% back on mobile wallet purchases, though it is capped at $3,000 in spending, so the sweet spot is someone who can direct everyday purchases through a mobile wallet without expecting unlimited high-rate rewards. The 3% back on dining adds another useful bonus category, and the $0 annual fee makes it easy to keep in your wallet for those specific uses.

This card is a weaker fit if you want one card for everything. Harris Teeter purchases only earn 2%, which is fine but not especially strong for a store card, and the 1% base rate means non-bonus spending is better placed elsewhere. With no welcome bonus and no notable perks listed, the value here comes almost entirely from using the right categories consistently.