The Easy Way to Earn Cash Back Every Day

Earn up to 5% cash back on your everyday purchases and when you’re ready to redeem, choose from Real-Time Rewards from your mobile phone, a statement credit, or a Kroger Family of Companies Gift Card.¹
Up to 5% Cash Back

Up to 5% Cash Back

On mobile wallet & Kroger Pay purchases²

Earn 2% Cash Back

2% Cash Back

Inside of our stores

Earn 1% Cash Back

1% Cash Back

Outside of our stores

Up to 5% Cash Back

Up to 5% Cash Back

On mobile wallet & Kroger Pay purchases²

Earn 2% Cash Back

2% Cash Back

Inside of our stores

Earn 1% Cash Back

1% Cash Back

Outside of our stores

Stack Your Savings with Additional Benefits

Elevate your status to savvy shopper with the Kroger Family of Companies Rewards World Elite Mastercard®, now with a free $59 Boost membership.3 Plus, you can save an additional 55¢ per gallon of fuel each time you redeem Fuel Points at our Fuel Centers4 on top of your exclusive Mastercard® benefits.

Learn More

Manage your account or learn more about the credit card that pays you to shop!

Current Cardholder?

Get All the Details on Our Credit Card

Current Cardholder?

Get All the Details on Our Credit Card

Frequently Asked Questions

    Please call 800-947-1444 and choose option 1 for the status of an application. For your security, you will be required to enter your social security number to locate the application. Additional verification item(s) may be needed to validate.

    In most cases, when applying online you will receive the status of your application immediately. If you're approved, your card should arrive in 7- 10 business days. Length of time varies depending on individual credit status, address verification and card processing time.

    Once you receive your card in the mail, call 888-200-9959 to activate.

Kroger Family of Companies Rewards® World Elite Mastercard®

1 Subject to credit approval. Cash Back rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Rewards expire after 36 months. Rewards are only available for redemption if your Account is open and in good standing (not past due or overlimit). Rewards can be redeemed via Real-Time Rewards when you make an eligible purchase of $10 or more at Kroger Family of Companies or via statement credit when you have earned a minimum of 1,000 Rewards Points (worth $10). Rewards can be redeemed via Kroger Family of Companies Gift Cards when you have earned a minimum of 2,500 Rewards Points (worth $25). Purchases made at Kroger Family of Companies Fuel Centers do not earn Rewards Points. Upon approval, see your Cardmember Agreement for details.

2 Kroger Pay non-fuel transactions earn 5% cash back on the first $3,000 in purchases each calendar year and 2% on amounts above that. Kroger Pay transactions at Fuel Centers do not earn rewards. Mobile wallet transactions (excluding Kroger Pay) earn 5% on the first $3,000 in purchases each calendar year and 1% on amounts above that, regardless of where the transaction was made, including Kroger Family of Companies locations. "Mobile wallet" is defined as the method of paying for transactions using Apple Pay® , Samsung Pay, Google Pay™ or Garmin Pay™. If a Kroger Pay or Mobile Wallet transaction might also qualify as a rewards category transaction, then the card issuer has sole discretion on how to categorize the transaction.

3 Boost offer applies to new credit cardmembers who apply and are approved for the Kroger Family of Companies Rewards World Elite Mastercard®. Must enroll for Boost Membership and provide payment information to activate your membership and receive free one-year Next-Day Boost membership. If you choose the $99/year Same-Day Boost membership, you will receive a $59 waiver upon enrollment. Upon expiration of free membership period, you will be charged for an annual membership unless canceled prior to the end of free membership period. An annual membership currently costs $59/year for the Next-Day Membership and $99/year for the Same-Day Membership, but the cost of the yearly membership is subject to change. You can cancel any time before the end of the first year of membership by visiting your membership page. If you decide to cancel, your current Boost benefits will be available until the end of your membership period. Only one free Boost membership per household. Current Boost members must re-enroll to redeem Boost membership and you will receive complimentary one-year membership in the Boost program after current Boost membership expires. $35 order minimum. Restrictions apply. Subject to availability. Delivery time not guaranteed. Offer cannot be used for payment of current Boost membership. See the Kroger Family of Companies website for more information regarding Boost membership.

4 Offer applies to new cardmembers only. Subject to credit approval. Discount is available at Kroger Family of Companies Fuel Centers each time you redeem at least 100 existing fuel points earned in a single month. You must scan, redeem fuel points and pay with your Kroger Family of Companies Rewards World Elite Mastercard® in order to receive the fuel discount. The first-year additional 55¢ discount offer expires one year from the cardmember’s approval date and does not require a spend minimum. Following completion of the introductory fuel offer, your Account will be eligible for an additional 25¢ per gallon discount at Kroger Family of Companies Fuel Centers when you (1) spend $6,000 annually in eligible net purchases and (2) redeem at least 100 existing fuel points earned in a single month. You must scan, redeem fuel points, and pay with your Kroger Family of Companies Rewards World Elite Mastercard® in order to receive the fuel discount. You must spend at least $6,000 in a calendar year (or within the first 12 months after Account opening, as described below). The date that a transaction is made may not be the same date that a transaction posts to your Account. Transactions must post within the 12-month period to be applied toward the required minimum spend amount. Once the minimum spend is reached, you will be eligible to receive the 25¢ fuel discount starting within the next calendar month. Your Account must be open and in good standing (not past due or overlimit) at the time you qualify to receive the fuel discount. Fraudulent transactions will not earn fuel points. The 25¢ fuel discount expires on January 31st and following that date, you will receive 5¢ off per gallon of fuel unless the previous calendar year’s eligible net purchases on your Account totaled at least $6,000 (in which case the 25¢ discount will continue for the remainder of the year). To be eligible for the first calendar year after the Account is opened, your posted spend must equal at least $6,000 during the first 12 months that your Account is open. Eligibility for the second year (even if Account has not been open for 12 months), and future years, is determined on a calendar year basis starting January after the Account is opened. Not valid with any other fuel offer. Accumulation excludes taxes, office services, alcohol, tobacco, fuel, prescriptions and any purchases prohibited by law. Fuel discount effective at participating fuel center locations. Not valid in MO or where prohibited by law. Purchases made at Kroger Family of Companies Fuel Centers do not earn Rewards Points or fuel points. Please see store for fuel discounts details and in-store spending requirements. Selling or purchasing fuel points is prohibited. Fuel redemption offer cannot be combined with any other discounts. No discounts to dealers, wholesalers, or fleet programs. No cash back. Not valid where prohibited by law. We may suspend or remove you from the fuel program due to violation of these terms or because of fraudulent activity or suspected fraudulent activity.

5 The APR may vary, the variable APR for purchases and Balance Transfers is 19.24% to 29.99% (based on your creditworthiness). The variable APR for Cash Advances is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 4% of each check amount, $10 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 4% of each transfer amount, $10 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: $0. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC. The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. ©2024 U.S. Bank

6 Restrictions apply, “contact-free” applies to transactions through staffed registers only.

7 When you use Kroger Pay with a Kroger Payments card. For more information, please review our Privacy Policy (link to /f/rewards-debit-card-privacy-policy) , Terms and Conditions (link to /f/rewards-debit-card-terms-and-conditions), and Frequently Asked Questions (/f/rewards-debit-card-faqs).

8 $1 in spending = 1 Fuel Point + 1 bonus Fuel Point on qualifying purchases made in-store, curbside pickup and delivery. Gift cards, adult beverage, tobacco products, pharmacy prescriptions, Booth Service, Kroger Ship, The Little Clinic, Fred Meyer Direct, Fred Meyer Jewelry, Vitacost, homechef.com, murrayscheese.com, Fuel purchases, Kroger Rush Delivery, Kroger Delivery Now, or receipt message survey invitations are excluded from Boost Fuel Points benefits. Fuel Points can be redeemed at participating fuel locations.

9 $35 order minimum. Restrictions apply. Subject to availability. Delivery time not guaranteed.