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King Soopers REWARDS World Mastercard®

  • Regular Purchase APR 13.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.49% to 25.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network Mastercard
Best Benefits
  • ◉  Get an additional 25 cents off per gallon for one year at Kroger Family of Companies Fuel Centers when you redeem 100 fuel Rewards Points
  • ◉   For every eligible $1 net qualifying purchase you’ll earn: 1 point anywhere Mastercard is accepted, 2 points in the Kroger® Family of Companies (excluding fuel centers), and 3 points on the Kroger family of quality brands
  • ◉   Rewards are sent automatically every quarter. Every 1,000 points you earn gets you $5 in free groceries
  • ◉   Enjoy Mastercard Travel Services and MasterRental® Insurance
Rates & Fees
  •  Regular Purchase APR: 13.49% to 25.49% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 13.49% to 25.49% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: Either 4% of the amount of each transfer or $10 minimum, whichever is greater
  •  Cash Advance APR: 26.74% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either 4% of the amount of each advance or $10 minimum, whichever is greater
  • Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $35
  •  Credit Needed: Good


At a Glance 

A versatile co-branded credit card, the King Soopers REWARDS World Mastercard offers a smart way to shop almost anywhere in the world while simultaneously earning rewards towards free groceries at King Soopers

Ideal for Those Who: 

  • Frequently shop at King Soopers or any other company in the Kroger family of brands 
  • Want a rewards credit card that lets them earn towards free groceries and fuel savings with every purchase. 
  • Don’t want to pay an annual fee 

King Soopers REWARDS World Mastercard Review: 

The King Soopers Rewards World Mastercard from U.S. Bank is a double threat in that it allows you to make purchases anywhere in the world Mastercard is accepted and rewards you for everyday purchases with rewards credits applicable towards future purchases at King Soopers City Market.  

The King Soopers Rewards Card earns three points for every eligible dollar spent with any of the Kroger family of companies own-brand products; two points per eligible dollar spent at any Kroger company (excluding fuel purchases); and a single point for every other dollar spent on purchases elsewhere.  

The ability to earn points towards free King Soopers (or any Kroger brand, for that matter) groceries is a great perk with this card – and one that is certainly going to encourage a few new applicants. The inability to earn points on gas purchases, however, is a big letdown. This is somewhat mitigated by the option to redeem points towards fuel savings at King Soopers pumps.  When cardholders redeem at least 100 points at participating Kroger Fuel Centers (including King Soopers), they’ll also receive an additional $.25 in fuel savings per gallon for an entire year – not bad at all! 

Points in the REWARDS Program are instantly turned into rewards as soon as you reach a minimum threshold. Once you accumulate 1,000 points, Kroger will automatically send a $5 reward. This makes keeping track of your points a non-issue as your rewards are instantly made available without any effort. 

As a full-featured credit card, the King Soopers REWARDS World Mastercard® also has you covered with fraud protection, and you won’t be held liable for purchases made with your card if it’s lost or stolen. Also, you can take advantage of MasterRental® insurance and Mastercard’s proprietary travel services to book your next getaway. You also won’t have to worry about paying an annual fee with the King Soopers REWARDS World Mastercard, as the card does not include this charge. 

Should You Apply for the King Soopers REWARDS Card? 

Overall, the King Soopers Mastercard is a reliable – and potent – rewards credit card for those who are loyal patrons of the Kroger family of companies, including King Soopers City Market and Fuel Centers. The ability to quickly earn rewards that are applicable towards free groceries might not sound as glamorous as earning airline miles to book a dream flight to Monte Carlo, but for the vast majority of Americans, these rewards are what they really need – and want. 

The additional perk of $.25 off each gallon of fuel purchased at Kroger Fuel Centers for an entire year after redeeming 100 fuel points is another perk that might not sound impressive but can go a long way to saving commuters big money over time. Add that together with no annual fee and the suite of perks commonly found with Mastercard products, and the King Soopers REWARDS Mastercard is a very good card to consider adding to your wallet. 


Editorial Disclosure — The opinions expressed on BestCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. Further, BestCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge.

Published: January 2, 2020 8:17 am

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