Harris Teeter REWARDS World Mastercard®

This card is built for Harris Teeter shoppers who also use a mobile wallet often enough to take advantage of its standout 5% category. It works best as a no-annual-fee specialist card, not a primary card for all spending, because its strongest rewards are tied to Apple Pay, Google Pay, dining, and Harris Teeter purchases.

Annual Fee

Rec. Credit Score

Excellent

Good For

Mobile wallet grocery shoppers

How to Apply Estimate your value

All information about Harris Teeter REWARDS World Mastercard® has been collected independently by MaxRewards. Harris Teeter 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 Harris Teeter REWARDS World Mastercard® worth it?

This card is great for...

Mobile wallet purchases

Harris Teeter groceries

Dining purchases

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.

MaxRewards Verdict

A solid fit for Harris Teeter customers who can make real use of the 5% mobile wallet category and 3% dining rewards. For general spending or a broader grocery strategy, most readers will want to pair it with another card.

Earning

Rewards

This card uses Kroger Rewards points, worth 1 cent each, so the earning rates function much like cash back. The key is to focus on the capped bonus categories, especially mobile wallet purchases, rather than treating it as an all-purpose card.

CategoryRate

Apple Pay

Up to $3,000 spend per year

Google Pay

Up to $3,000 spend per year

Dining

Up to $6,000 spend per year

Harris Teeter

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