Thought experiment: If I steal someone else's credit card to buy things (example from FindLaw [1]) that I won't use just to harm my victim, would I be committing fraud? Or would only the non-fraud charges apply?
Don't trust findlaw.com or a dictionary definition. It doesn't matter if you personally gain. Here is the actual text of the US federal fraud statute [1]
"....obtaining money or property by means of false or fraudulent pretenses, representations, or promises....."
[1] https://www.findlaw.com/criminal/criminal-charges/fraud.html