Cash back · Mastercard · No annual fee
Last verified 2026-09-09. Review issuer source
U.S. Bank Fry's REWARDS World Mastercard is a no-annual-fee cash back card from U.S. Bank. Its best everyday rates are 5% on digital wallet; everything else earns 1%. There is also 5% on Kroger Pay, a single-merchant rate. Digital wallet is capped at $3,000 a year, then drops to the base rate.
On our reference budget of $24,600 a year it returns about $246, an effective 1% back. The welcome bonus, $100 after $500 in 90 days, adds to the first year's return.
Put the bonus categories on it and everything else on a flat 2% card. On its own the base rate drags the average down.
Cap: $3,000 per annual
Mobile wallet transactions earn 5% on the first $3,000 in purchases each calendar year and 1% on amounts above that
2% cash back inside of our stores
Cap: $3,000 per annual
Kroger Pay non-fuel transactions earn 5% cash back on the first $3,000 in purchases each calendar year and 2% on amounts above that.
Earn a $100 statement credit when you spend $500 with your card in the first 90 days.
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.
Earn a FREE Next-Day Delivery Boost Membership for a year ($59 value).
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!
These come from Mastercard, not from U.S. Bank. Every card on the World Elite Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
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.
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.
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard gives you exclusive access to premium preferred seats and ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Browse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Get $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.
Enjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Complimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Fry's REWARDS World Mastercard®This card · 5% on digital wallet | None | $246 | +$246 | 680th of 1,291 |
| U.S. Bank Cash+® Visa Signature®U.S. Bank's most-held other card · 5% on department stores | None | $642 | +$642 | 7th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
