QFC REWARDS World Mastercard®

The QFC REWARDS World Mastercard® is built for QFC shoppers who also use mobile wallets regularly. It works best as a no-annual-fee specialist card for Apple Pay and Google Pay purchases, not as a primary card for all spending.

Annual Fee

Rec. Credit Score

Excellent

Good For

QFC mobile wallet users

How to Apply Estimate your value

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

This card is great for...

Apple Pay purchases

Google Pay purchases

QFC grocery runs

This card is worth a look if you shop at QFC often and already tap to pay with Apple Pay or Google Pay. The standout feature is 5% back on mobile wallet purchases, though that rate is capped at $3,000 in spend, so the strongest value comes from using it for smaller everyday purchases until you hit the limit. The 2% back at QFC is decent for loyal shoppers, and the $0 annual fee makes it easy to keep in the mix.

For most readers, this is not a full-time everyday card. Once the mobile wallet cap is used up, the card drops to 1% on other purchases, and there are no listed benefits to add extra value beyond the rewards. It makes the most sense as a targeted card for mobile wallet spending and QFC trips, alongside a stronger flat-rate or broader rewards card.

MaxRewards Verdict

A solid fit for QFC customers who pay with a mobile wallet often enough to take advantage of the 5% category. Outside of that niche, the long-term value is fairly limited.

Earning

Rewards

This card keeps things simple: elevated rewards on Apple Pay and Google Pay purchases, a modest bump at QFC, and 1% back everywhere else. The key question is whether enough of your everyday spending can go through a mobile wallet to make the capped 5% rate meaningful.

CategoryRate

Apple Pay

Up to $3,000 spend per year

Google Pay

Up to $3,000 spend per year

QFC

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