Major Changes Coming to Kroger Rewards Mastercard

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Last updated on April 21st, 2023

The Kroger REWARDS World Mastercard® is getting a refresh this November, with cardholders set to enjoy new rewards – including up to 5% cash back on eligible purchases. The card, from U.S. Bank, previously offered a lower level of rewards points through the Kroger Family of Companies and additional savings at the pump at select Kroger fuel centers.

Changes Coming to Kroger World Mastercard This November

Changes are coming to the popular Kroger REWARDS World Mastercard®. Kroger, one of the leading supermarket chains in the United States, is notifying existing cardholders that its co-branded credit card through U.S. Bank will change its rewards structure this November.

New Kroger Mastercard Rewards Structure Details

The major change with the Kroger REWARDS Mastercard is adding up to 5% cash back on select purchases. The new cash back categories with the card include:

  • 5% cash back on mobile wallet transactions
  • 2% cash back on purchases inside any of the Kroger Family of Companies
  • 1% cash back on all other purchases

The new 5% back category includes several mobile wallets. Cardholders can earn 5% back on the first $3,000 spent each year on purchases made through Apple Pay, Google Pay, Samsung Pay, Garmin Pay, and LG Pay. Once cardholders max out the 5% category, all additional purchases will earn 1% back.

The 2% category includes purchases at any of the Kroger Family of Companies, including major names like Ralphs, King Soopers, Fry’s, QFC, and more. This bonus category also includes the company’s in-house mobile wallet – Kroger Pay.

Cash back takes the form of Kroger Rewards points – the current reward currency of the Kroger credit cards from U.S. Bank.

Cardholders also enjoy additional savings at the pump at Kroger Family of Companies Fuel Centers. New accounts save an extra 25 cents per gallon of fuel each time they redeem 100 Fuel Points at eligible Fuel Centers in the first year. They’ll also enjoy those 25-cent savings every time they spend $6,000 in a calendar year after that.

The current rewards rate for the Kroger card is 3X points on Kroger family brands, 2X points on all other products at Kroger (excluding Fuel Center purchases), and 1X points on all other purchases (again, excluding Fuel Centers).

Related Article: Can You Extend Kroger Fuel Rewards for An Extra Month?

Featured image by Kroger

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Cory Santos

Cory is's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. Cory holds academic degrees in both the U.S. and U.K. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.

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