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Kroger REWARDS World Mastercard

Cory Santos

| Last updated on March 25th, 2024

Kroger REWARDS World Mastercard®

Kroger REWARDS World Mastercard®
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good
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None Annual Fee

Kroger REWARDS World Mastercard®

  • 19.24% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 19.24% to 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR

At a Glance

A versatile co-branded credit card, the Kroger REWARDS World Mastercard offers a smart way to shop almost anywhere in the world while simultaneously earning rewards towards free groceries at Kroger owned and operated stores across the U.S.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 5% Cash back on mobile wallet purchases for the first $3,000, then 1% thereafter
  • Earn 3% Cash back on dining and fuel for the first $6,000, then 1% thereafter.
  • Earn 2% Cash back Inside of our Stores
  • Earn 1% Cash back Outside of our Stores
  • Regular Purchase APR: 19.24% to 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 19.24% to 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $41
  • You frequently shop at the Kroger family of brands
  • You want a rewards credit card that lets you earn towards free groceries and fuel savings with every purchase
  • You don’t want to pay an annual fee
Kroger REWARDS World Mastercard®

Kroger REWARDS World Mastercard®

Terms & Conditions

In-Depth Review: Kroger REWARDS World Mastercard®

The Kroger REWARDS World Mastercard from U.S. Bank 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 Kroger brands – all at the same time.

Who Can Benefit Most from the Kroger Credit Card?

The Kroger Credit Card is particularly useful for those who intend to maximize their card use in-store purchases. This card is especially beneficial for those who are capable of making payments using Kroger Pay or their mobile wallet as that option provides up to 5% back on up to $6,000 in annual purchases.

How to Get the Card

Credit Needed

The Kroger credit cards are grocery store cards, meaning they are ideal for applicants with average to good credit.

Application Process

Applying for the Kroger REWARDS World Mastercard® is a simple process. You can visit the Kroger website or go to your nearest Kroger store to fill out an application. You will need to provide some personal information, such as your name, address, and social security number. Once your application is submitted, it will be reviewed, and you will receive a decision within a few days. If approved, you will receive your card in the mail, and you can start enjoying the benefits right away.

How to Earn Rewards with Kroger

Welcome Bonus

The Kroger REWARDS World Mastercard comes with a unique sign-up bonus that will likely lure those who frequently commute. New accounts earn 2X Kroger Fuel Points and $59 toward a Next-Day Delivery Boost Membership after getting the credit card and complete their Boost enrollment.

Boost is the premium membership of the Kroger Family of Brands, and provides exclusive perks to members, including free same-day delivery (depending on the tier), 2X Fuel Points on gas purchases at Kroger forecourts, and hundreds of dollars in savings through special offers. Kroger Boost features two tiers:

  • Free delivery in 2 hours: $99 per year
  • Free next-day delivery: $59 per year

The addition of this premium benefit is intriguing – especially since deliveries are fulfilled by Kroger or Instacart, meaning it provides value across the country and not just near your local Kroger brand.

Earn Up to 5% Cash Back

The Kroger REWARDS World Mastercard® earns its best rewards at Kroger, which makes sense. The card earns up to 5% cash back on mobile wallet Kroger Pay purchases on the first $3,000 in purchases each calendar year and 2% on amounts above that. Kroger Pay is the chain’s mobile wallet, providing a streamlined way to pay for groceries.

Not all Kroger Pay purchases qualify for 5% back, however. Kroger Pay transactions at Fuel Centers do not earn rewards, meaning if you were looking for a lucrative gas rewards credit card – this isn’t it.

Outside of Kroger Pay, the card earns 2% back on all other purchases made inside Kroger stores and 1% back on all other purchases.

How to Redeem Rewards

Redeeming rewards with the Kroger credit card is straightforward and automatic, although points earned expire after three years.  Cash back takes the form of points in the Kroger REWARDS Program, with points instantly turned into rewards as soon as a minimum threshold is reached. Once you reach 1,000 points, Kroger automatically sends a $5 reward.

Being able to earn points towards free groceries is a great perk with this card. 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 Kroger pumps. Redeeming at least 100 points at participating Kroger Fuel Centers grants you an additional $.25 in fuel savings per gallon for an entire calendar year.

Other Card Benefits

The Kroger Rewards card doesn’t charge an annual fee, so there is no worrying about how much money you have to spend to make it worth paying a fee. Additionally, there are no foreign transaction fees with this card. This is great if you like to travel internationally, especially since Mastercard has a huge international presence.

World Mastercard Benefits

The Kroger REWARDS World Mastercard is a full-fledged credit card, too, meaning you can’t count on Mastercard’s fraud protection, and you won’t be held liable for purchases made with your card if it’s lost or stolen. You also won’t have to worry about paying an annual fee with the, as the card does not charge an annual fee.

Zero liability protection Airport concierge ID theft protection Mastercard Travel Services
Mastercard Global Services Priceless Experiences Priceless golf Lyft credits
Shoprunner membership Fandango savings Mastercard Hotel Stay Guarantee

What Kroger Family of Brands Stores Have a Credit Card?

The Kroger REWARDS World Mastercard® isn’t the only credit card option from Kroger and U.S. Bank. Instead, there are several versions of the card bearing the name of your local Kroger brand. Other options include the following:

  • Dillons REWARDS World Mastercard®
  • Fred Meyer Rewards® World Mastercard®
  • Fry’s REWARDS World Mastercard®
  • Harris Teeter REWARDS World Mastercard®
  • King Soopers REWARDS World Mastercard®
  • Pick n’ Save REWARDS World Mastercard
  • QFC REWARDS World Mastercard®
  • Ralphs REWARDS World Mastercard®
  • Smith’s REWARDS World Mastercard®

What We Like About the Kroger Credit Card

Streamlined for Kroger Fans

Thie Kroger credit cards are great if you do the bulk of your grocery spending at Kroger stores or any other merchant that accepts mobile wallet payments. Kroger made changes to its rewards program to separate mobile wallets and Kroger Pay, providing cardholders with the potential opportunity to double-up on rewards with the card.  This positive change increases the 5% back cap to $6,000 ($3,000 for mobile wallets and $3,000 for Kroger Pay), allowing for even greater rewards on your spending.

Fuel Savings

While the Kroger REWARDS Mastercard doesn’t provide direct savings at Kroger pumps, it does throw cardholders a few lifelines. The chance to save at least 25¢ per gallon for an entire year can add up, especially for households with multiple drivers.

Complimentary Boost Membership

The card also provides complimentary Boost membership for one year. This $59 value provides free next-day deliveries on groceries or other items delivered by Kroger.

Things to Consider

Beyond the good, there are some things to consider before deciding on the Kroger credit card. For example, the card’s benefits are fairly minimal compared to other offers from major banks. The card provides few travel benefits beyond any foreign transaction fees and the emergency benefits are pretty basic and rely upon the World Mastercard benefits of the card.

U.S. Bank Ratings

How does the U.S. Bank rate as a lender? Here is a selection of expert reviews for U.S. Bank and its credit card products:

Should You Apply for the Kroger REWARDS World Mastercard®?

The Kroger REWARDS World Mastercard® is a credit card designed specifically for Kroger shoppers. With its generous rewards program, exclusive discounts, and additional perks, this card offers a range of benefits that can enhance your shopping experience and help you save money. I he additional perk of $.25 off of each gallon of fuel purchased at Kroger Fuel Centers after redeeming 100 fuel points is another perk that might not sound impressive but can help commuters save money over time.

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