Smith’s REWARDS World Mastercard®

Advertiser Disclosure Editorial Disclosure

Last updated on May 9th, 2022

Smith's REWARDS World Mastercard®

Earn Up to 2X Points on Kroger Family of Brands

Smith's REWARDS World Mastercard®
  • Regular Purchase APR 17.74% to 30.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 17.74% to 30.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 30.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit uses a variation of FICO Score 8, 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.
  • 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
  • 5% Cash back on mobile wallet purchases for the first $3,000, then 1% thereafter
  • 2% Cash back Inside of our Stores
  • 1% Cash back Outside of our Stores
Rates & Fees
  • Regular Purchase APR: 17.74% to 30.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 17.74% to 30.74% 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: 30.74% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $41
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Smith's REWARDS World Mastercard®

Smith's REWARDS World Mastercard®

Terms & Conditions

At a Glance

The Smith’s REWARDS World Mastercard® is a branded credit card affiliated with the Smith’s chain of grocery stores, which is owned by the Kroger Family of Companies. If you are a Smith’s customer or shop at any Kroger-owned store, this is a great card to have in your wallet. Cardholders not only earn free groceries with every purchase made but also get gas discounts and other perks.

Ideal for Those Who:

  • Shop at Smith’s or any Kroger-owned stores.
  • Want a tiered grocery rewards credit card that they can use anywhere
  • Don’t want to pay an annual fee
  • Like saving $0.25 per gallon on fuel purchases for a whole year

Smith’s 1-2-3 REWARDS® World Mastercard® Review

Smith’s is a chain of grocery stores with a presence in Utah and the Southwestern United States. It is currently owned by the Kroger Family of Companies, and cardholders can redeem their rewards at any Kroger-owned retailer. Smith’s 1-2-3 REWARDS® World Mastercard® cardholders can also earn extra points on certain types of purchases, and there is never an annual fee with this card. Keep reading to learn more about the features of this card.

Earn Points on Every Purchase

The Smith’s REWARDS card earns an impressive 5% cash back on the on mobile wallet purchases for the first $3,000, then 1% thereafter. In addition, cardholders earn 2% back in-store at any of Kroger’s Family of Brands and 1% back everywhere else.

If you like saving money on Kroger’s store brand products, then you’ll be happy to know that purchasing those products will earn you potentially up to 5% back.

One of the downsides with this card, though, is that you cannot earn these extra rewards at Kroger fuel centers. However, there are some gas-related perks that you can take advantage of with this card.

Discounted Gas for a Year

Cardholders can’t earn points at Kroger fuel centers, but they certainly can redeem points for gas at Kroger fuel centers. As an added perk, cardholders get 25 cents discounted from each gallon of gas when they use at least 100 of their fuel points towards that gas purchase.

This is a limited time offer only available for the first 12 months from the date of opening an account. However, cardholders can continue to receive a five-cent discount for each gallon of gas they purchase after the 12-month period ends.

Redeeming Points

Even though this Rewards Card is co-branded with Smith’s grocery store, cardholders can redeem their cash back/ points at any retailer that is part of the Kroger Family of Companies. This includes over 15 different retailers, so no matter where you are, you can probably find a grocery store where you can redeem your points.

One of the things to keep in mind, though, is that you typically cannot redeem your points whenever you want. Cardholders need to wait to receive a Rewards Certificate about once every quarter. You will only receive rewards certificates if you have earned at least 1,000 points, which comes out to around $5 in grocery store credits.

If you haven’t earned 1,000 rewards points, then you will not earn a certificate. Instead, your points will remain on your rewards account until you have reached the minimum, and then you will be issued a certificate at the next scheduled disbursement date.

There are no limits to the amount of points you can earn, but your unused rewards points do expire after 36 months. This shouldn’t be a problem if you have earned more than 1,000 points, as you will automatically get a certificate. However, you can lose any points below 1,000 if you decide to stop using your card.

No Fees

The Smith’s 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.

Should You Apply for the Smith’s REWARDS World Mastercard® Review?

This credit card is an ideal fit for people who already shop at Smith’s or another retailer that is part of the Kroger Family of Companies. You basically end up earning free groceries without having to really change your spending habits. The fact that this card doesn’t charge an annual fee makes it even more appealing.

What’s great is that you can use a simple calculator on the credit card’s website to see how much money in grocery credits you can earn each quarter. Many rewards programs don’t even let you see how much your points are worth, and most rewards programs require you to do your own investigating and calculations to determine what your points can get you.

The discounted gas for a year is a great bonus. However, it may not be advantageous to cardholders who don’t have access to a Kroger fuel center. Nevertheless, the grocery benefits of this card are the real draw here.

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