Harris Teeter Rewards World Elite Mastercard Credit Card

Harris Teeter Rewards World Elite Mastercard

Last Updated: 02/24/2026

Rating
4.2 / 5
Sign Up Bonus
$100
Annual Fee
$0
Credit Score
Good

Summary

Sign-Up Bonus
4
Spending Multipliers
4.5
Credits & Features
1.5
Fees
5
Application
5
Issuer
5

The US Bank Harris Teeter Rewards World Elite Mastercard is a rewarding no‑annual‑fee credit card designed for shoppers and grocery spenders in the Harris Teeter supermarket region who want added value on everyday purchases. With no annual fee and no foreign transaction fees, this card appeals to budget‑conscious consumers and frequent Harris Teeter customers looking to earn rewards without extra costs, while the free annual HT Plus Membership enhances your grocery savings and perks year after year. Although eligibility is tied to living in a Harris Teeter service area, cardholders benefit from a straightforward rewards structure that makes it easier to save on the purchases they make most often. Overall, the US Bank Harris Teeter Rewards World Elite Mastercard is ideal for local residents who want simple value, grocery‑focused benefits, and everyday savings with minimal fees.

Pros

Check mark
No annual fee
Check mark
No foreign transaction fee

Cons

Negative sign
Need to live in a Harris Teeter region

Issuer

US Bank, rooted in the financial sector since 1863, has a rich history, tracing its origins to the First National Bank of Cincinnati. Evolving through the decades, it embraced innovations such as drive-up branches during the 1950s automobile boom and digital banking in the computer age. Formed as a brand in the early 2000s, US Bank weathered the 2008 recession profitably. Today, the bank prioritizes mobile banking and cybersecurity, leveraging expertise and AI to counter threats. Despite its name, US Bank's subsidiary, Elavan, ranks as the fourth-largest merchant acquirer in Europe. With operations in 13 countries and approximately 77,000 employees, US Bank offers a comprehensive range of financial services, including credit cards, checking and savings accounts, loans, investment, wealth management, and business solutions. Emphasizing disciplined customer relationships, US Bank assesses risk rigorously and extends credit cards to various credit profiles. With $695 billion in total assets and $43 billion in annual revenue in 2025, US Bank is recognized for its financial stability. The bank values innovation, actively adapting to evolving customer needs and technological trends. Committed to corporate social responsibility, US Bank focuses on ethical practices, diversity, financial security, environmental protection, and strategic partnerships. US Bank operates over 2,000 branches in 26 states and ensures accessibility through online and mobile banking platforms. Guided by a mission to prioritize people and uphold ethical standards, US Bank is a member of FINRA, SPIC, FDIC, and an equal housing lender.

Spending Multipliers

5%

Cash Back on mobile wallet and Harris Teeter App Transactions purchases up to $3,000 in annual spend for each

3%

Cash Back on dining up to $6,000 in combined annual purchases with gas

3%

Cash Back on gas up to $6,000 in combined annual purchases with dining

2%

Cash Back in Kroger branded stores

1%

Cash Back on all other purchases

Credits & Features

Free annual HT Plus Membership

Application

  • Consider having at least a credit history for 2 years

Fees

  • No Annual Fee
  • No Foreign Transaction Fee
  • Up to $41 late fee
  • Up to $41 return payment fee
  • 17.49% - 30.49% Variable APR
  • 30.49% APR for Cash Advance
  • $10 or 5% of each cash advance amount (whichever is greater)
  • 17.49% - 30.49% APR for Balance Transfer
  • $10 or 4% of each transfer amount (whichever is greater)
See Full and Updated Rate & Fee Schedule During Application Process