Kroger Rewards World Elite Mastercard®

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The Kroger Rewards World Elite Mastercard® is a co-branded store card issued by U.S. Bank and designed for people who shop at Kroger supermarkets and who use a mobile wallet. You can earn 2% cash back inside Kroger stores, but you can earn up to 5% cash back simply by using your mobile wallet to pay for purchases: Kroger Pay, Apple Pay, Samsung Pay, Google Pay, or Garmin Pay. This means you can use this card to earn 5% cash back on virtually any mobile wallet purchase, up to the $3,000 annual cap, then 2% cash back for Kroger Pay transactions, and 1% cash back for other mobile wallet purchases.

Gas purchases, whether with Kroger Pay or any other mobile wallet, earn 1% cash back. However, if you redeem 100 Kroger points at Kroger Fuel Centers, you save $0.55 per gallon of gas during your first year. Another caveat is that you must be in an area where Kroger has a footprint, or you will be denied for being out of the market area (Kroger currently has a presence in 35 states). We dive into the details and your approval odds in this Kroger Rewards Card review.

Kroger Rewards World Elite Mastercard

Our Rating

3.5/5.0

Welcome Offer

None

Annual Fee

$0

0% Intro on Purchases

None

Reward Rate

1% – 5% cash back

0% Intro on Balance Transfers

None

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay, Garmin Pay
Benefits24/7 customer service
Travel PerksConcierge Services

Rewards

1% cash back
On all other eligible purchases
Earn 1% cash back on other purchases
2% cash back
Select Categories
Earn 2% cash back on Kroger purchases (excluding Kroger Fuel Centers)
5% cash back
Select Categories
5% cash back on other mobile wallet purchases on the first $3,000 in purchases each calendar year and 1% on amounts above that
5% cash back
Select Categories
Earn up to 5% cash back on non-fuel Kroger Pay purchases on the first $3,000 in purchases each calendar year and 2% on amounts above that

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR19.24% to 29.99% (V) APR

Pros & Cons

Pros
  • No annual fee
  • No foreign transaction fee
  • Up to 5% cash back
Cons
  • No welcome bonus
  • High APR
  • Requires good credit
  • Limited to areas that have Kroger supermarkets

What Are the Best Alternatives?

Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card

Rating

4.9

Rewards Range

2%

Annual Fee

$0

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Blue Cash Everyday® Card from American Express
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Rating

4.4

Rewards Range

1%-3%

Annual Fee

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Costco Anywhere Visa<sup>®</sup> Card by Citi
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4.4

Rewards Range

1%-4%

Annual Fee

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