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Kroger REWARDS World Mastercard card

Kroger REWARDS World Mastercard

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Good
Card network
Mastercard
Regular purchase APR
19.24% to 29.99% variable based on creditworthiness and the Prime Rate
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

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.

Our review of the Kroger REWARDS World Mastercard

The Kroger REWARDS World Mastercard from U.S. Bank is a versatile credit card that allows you to earn rewards while making purchases anywhere Mastercard is accepted. This comprehensive review will provide you with all the information you need to decide if this card is right for you.

Who Can Benefit Most from the Kroger Credit Card?

The Kroger Credit Card is perfect for individuals who frequently shop at Kroger stores and want to maximize their rewards. This card is particularly beneficial for those who use Kroger Pay or their mobile wallet, as it offers up to 5% cash back on qualifying purchases.

Credit Needed

The Kroger credit cards are suitable for applicants with average to good credit.

Application Process

Applying for the Kroger REWARDS World Mastercard® is a straightforward process. You can apply online through the Kroger website or visit a Kroger store to fill out an application. Once submitted, your application will be reviewed, and you will receive a decision within a few days. If approved, your card will be mailed to you, and you can start enjoying the benefits immediately.

Welcome Bonus

New cardholders can earn 2X Kroger Fuel Points and $59 toward a Next-Day Delivery Boost Membership after enrolling in Boost with their new Kroger REWARDS World Mastercard. Boost membership provides exclusive perks, including free same-day or next-day delivery, 2X Fuel Points on gas purchases, and savings on special offers.

Earn Up to 5% Cash Back

The Kroger REWARDS World Mastercard® offers up to 5% cash back on mobile wallet Kroger Pay purchases, up to $3,000 in purchases per calendar year. Additional purchases earn 2% cash back at Kroger stores and 1% cash back on all other purchases.

How to Redeem Rewards

Redeeming rewards with the Kroger credit card is simple and automatic. Points earned expire after three years and can be redeemed for rewards in the Kroger REWARDS Program. Once you reach 1,000 points, Kroger will automatically send you a $5 reward.

Other Card Benefits

The Kroger Rewards card has no annual fee or foreign transaction fees, making it a great option for international travelers. Additionally, the card offers World Mastercard benefits, including zero liability protection, airport concierge, and ID theft protection.

What Kroger Family of Brands Stores Have a Credit Card?

In addition to the Kroger REWARDS World Mastercard®, there are several other credit card options available for local Kroger brand stores, including Dillons, Fred Meyer, Fry’s, Harris Teeter, King Soopers, Pick n’ Save, QFC, Ralphs, and Smith’s.

What We Like About the Kroger Credit Card

The Kroger credit cards are ideal for loyal Kroger shoppers, offering a streamlined rewards program and opportunities to save on groceries and fuel. The card’s complimentary Boost membership and fuel savings benefits make it a valuable option for frequent Kroger customers.

Should You Apply for the Kroger REWARDS World Mastercard®?

If you are a regular Kroger shopper looking to earn rewards on your purchases, the Kroger REWARDS World Mastercard® is a great option. With its generous rewards program, exclusive discounts, and additional perks, this card can enhance your shopping experience and help you save money in the long run. Explore other card offers to compare and find the best fit for your needs.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • 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

Who this card may suit

  • 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

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR19.24% to 29.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR19.24% to 29.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction FeeEither $10 or 4% of the amount of each transfer, whichever is greater
Cash Advance APR29.99% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 5% of the amount of each advance, whichever is greater
Late Payment Penalty FeeUp to $41
Return Payment Penalty FeeUp to $41

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit.

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Kroger REWARDS World Mastercard

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