Fry's REWARDS World Mastercard®
The Fry's REWARDS World Mastercard® from U.S. Bank earns up to 1% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn a $100 statement credit when you spend $500 with your card in the first 90 days.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Fry's REWARDS World Mastercard earn in each category?
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Fry's REWARDS World Mastercard?
The Fry's REWARDS World Mastercard fits spenders who put meaningful volume in dining and can earn 1% back. Best for spenders who put meaningful volume in dining and can earn 1% back. The welcome bonus can help if you can meet the spend requirement.
Fry's REWARDS World Mastercard fits spenders who put meaningful volume in dining and can earn 1% back. Madeen ranks its dining effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1% back. The welcome bonus can help if you can meet the spend requirement.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 1% effective (1% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the Fry's REWARDS World Mastercard have an annual fee, and what's the welcome bonus?
The Fry's REWARDS World Mastercard has an annual fee of $0 and a foreign transaction fee of None. New applicants may see: Earn a $100 statement credit when you spend $500 with your card in the first 90 days.. Confirm current issuer terms before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
- Signup bonus
- Earn a $100 statement credit when you spend $500 with your card in the first 90 days.
What benefits come with the Fry's REWARDS World Mastercard?
The Fry's REWARDS World Mastercard includes Bonus, boost., Fuel Savings in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Bonus
Earn 2x Fuel Points and $59 toward a FREE Next-Day Delivery Boost Membership after you apply for the credit card, and complete your Boost Enrollment
- boost.
Earn a FREE Next-Day Delivery Boost Membership for a year ($59 value)
- Fuel Savings
SAVE AN ADDITIONAL 55¢ PER GALLON OF FUEL! Each time you redeem at least 100 fuel points at Kroger Fuel Centers for the first year!
- Global emergency servicesIncluded with World Elite Mastercard®
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with World Elite Mastercard®
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- InstacartIncluded with World Elite Mastercard®
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
- LyftIncluded with World Elite Mastercard®
More rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
- Mastercard GolfIncluded with World Elite Mastercard®
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Common questions about the Fry's REWARDS World Mastercard
Does the Fry's REWARDS World Mastercard have an annual fee?
The Fry's REWARDS World Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Fry's REWARDS World Mastercard?
Dining is the strongest Madeen category for the Fry's REWARDS World Mastercard at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Fry's REWARDS World Mastercard charge foreign transaction fees?
The Fry's REWARDS World Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Fry's REWARDS World Mastercard welcome bonus?
The Fry's REWARDS World Mastercard welcome offer in our snapshot: Earn a $100 statement credit when you spend $500 with your card in the first 90 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Fry's REWARDS World Mastercard?
Madeen's catalog lists a typical credit range of Good for the Fry's REWARDS World Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Fry's REWARDS World Mastercard?
Rewards on the Fry's REWARDS World Mastercard post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Fry's REWARDS World Mastercard compare to similar cards?
Compare the Fry's REWARDS World Mastercard against U.S. Bank Altitude Go Visa Signature (4% on Dining, $0 fee); SKYPASS Select Visa Signature (3.2% on Dining, $450 fee); SKYPASS Visa Signature (3.2% on Dining, $99 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Fry's REWARDS World Mastercard This card | Dining | 1% | $0 |
U.S. Bank | Dining | 4% | $0 |
U.S. Bank | Dining | 3.2% | $450 |
U.S. Bank | Dining | 3.2% | $99 |
U.S. Bank | Dining | 3.2% | $99 |
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