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Pick n’ Save REWARDS World Mastercard card

Pick n’ Save 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
    Excellent / Good
    Card network
    Mastercard
    Regular purchase APR
    19.24% to 29.99% variable based on creditworthiness and the Prime Rate
    Apply Now for Pick n’ Save REWARDS World Mastercard (opens in a new tab)Compare this card
    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

    The Pick ‘n Save/Metro Market REWARDS Mastercard® offers Pick n’ Save, Metro Market, and Roundy’s fans the chance to earn rewards with every purchase. Cardholders earn 5% back on mobile wallet purchases, 2% back in-store at Kroger’s locations (including Pick n’ Save, Metro Market, and Copps), and 1% back on everything else. The card also features no foreign transaction fees and no annual fee.

    Our review of the Pick n’ Save REWARDS World Mastercard

    The Pick ‘n Save REWARDS Mastercard from U.S. Bank, also known as the Pick ‘n Save/Metro Market REWARDS World Mastercard, offers cardholders the opportunity to earn rewards for their everyday purchases. With this card, you can earn an impressive 5% cash back on mobile wallet purchases for the first $3,000, and 1% cash back thereafter. Additionally, you can earn 3% back on dining and fuel (up to $6,000 per year, then 1% back), 2% back in-store at Kroger’s Family of Brands, and 1% back everywhere else.

    As a member of the Kroger family of companies, the Pick ‘n Save Card can be used at various locations nationwide, including Dillons, Ralph’s, Copps, Fred Meyer, Smith’s, and more. This means you can earn rewards not only at Pick ‘n Save, Copps, or Metro Market, but also at any Kroger brand.

    One of the key perks of this card is the ability to earn cash back towards free groceries at Pick ‘n Save. However, the inability to earn points on gas purchases may be disappointing for some cardholders. Unlike other Kroger cards, such as the Fred Meyer Rewards World Mastercard, which offer gas savings, the Pick ‘n Save/Metro Market Card does not provide this option.

    New applicants can benefit from an introductory bonus offer of a $100 statement credit when using their Ralph’s Rewards Card for the first purchase. Although there is no minimum spend requirement, this essentially translates to a statement credit worth up to $49.99.

    Overall, the Pick ‘n Save REWARDS Mastercard is a decent retail card from U.S. Bank, but it does have a notable flaw in the lack of fuel redemption options for points. If you are looking for a card that offers fuel savings in addition to rewards at Kroger supermarkets, there are other options available that may better suit your needs.

    Card features

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

    • No annual fee
    • 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 love Pick n’ Save or Metro Market and live in the Wisconsin or Illinois area
    • You frequently shop at any of the companies in the Kroger family of brands
    • 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 4% of the amount of each transfer or $10 minimum, whichever is greater
    Cash Advance APR29.99% variable based on the Prime Rate
    Cash Advance Transaction FeeEither 4% of the amount of each transfer or $10 minimum, 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: Excellent Credit Good Credit.

    Apply Now for Pick n’ Save REWARDS World Mastercard (opens in a new tab)View issuer terms for Pick n’ Save REWARDS World Mastercard (opens in a new tab)

    Pick n’ Save REWARDS World Mastercard

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