Smith's REWARDS World Mastercard®

This card is built for Smith's shoppers who also use a mobile wallet regularly. It works best as a no-annual-fee specialty card for Apple Pay and Google Pay purchases, not as a primary card for all spending.

Annual Fee

Rec. Credit Score

Excellent

Good For

Mobile wallet spenders

How to Apply Estimate your value

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

This card is great for...

Apple Pay purchases

Google Pay purchases

Smith's grocery runs

The Smith's REWARDS World Mastercard® is worth a look if you shop at Smith's and can consistently pay with Apple Pay or Google Pay. Earning 5% back on mobile wallet purchases, up to $3,000 in annual spend, is the main reason to carry it. The 2% back at Smith's adds a little extra value for regular grocery trips, and the $0 annual fee makes it easy to keep in the mix without needing to offset a fee.

For most readers, though, this is a supporting card rather than an everyday wallet staple. Once you hit the mobile wallet cap, the card drops to 1% back on general purchases, and there are no meaningful side perks to make up for that. If your spending lines up with the mobile wallet bonus and you want a simple card for Smith's and tap-to-pay purchases, it fits well. If not, a broader cash-back card will usually be more useful.

MaxRewards Verdict

A good fit for Smith's customers who pay with Apple Pay or Google Pay often enough to use the 5% category. Outside of that lane, the rewards are modest and the card is easy to outgrow.

Earning

Rewards

This card keeps the rewards story simple: the real value is in mobile wallet spending, with a smaller boost at Smith's and a standard 1% back everywhere else. Think of it as a targeted card for specific purchases, not a one-card setup.

CategoryRate

Apple Pay

Up to $3,000 spend per year

Google Pay

Up to $3,000 spend per year

Smith'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