Payments & Services Savings Details

Save $660 per year

3% Cash Back on Dining and Fuel Cashback Formula: (Dining Spend + Fuel Spend up to $6000 annually) x (3%) = Monthly Savings

Estimated monthly dining and fuel cashback savings for the Kroger Family of Companies Rewards Elite Mastercard® based on $303.25 dining spend, $260 fuel spend, and 3% Cash Back, totaling $16.90 in monthly savings and $202.77 in annual savings. Dining and fuel spend estimates based on 2022 BLS Report on Consumer Expenditures for food away from home and gasoline (https://www.bls.gov/news.release/pdf/cesan.pdf).

Grocery Spend Fuel Savings Formula: (In Store Spend) --> (ROUND DOWN TO NEAREST 100 POINTS) x (.0001) x (Gallons per Fill Up) = Monthly Savings

Estimated monthly grocery spend fuel savings for the Kroger Family of Companies Rewards Elite Mastercard® based on $475.25 in store spend, 475 Fuel Points earned, 400 Fuel Points redeemed, $0.40 Fuel Points discount earned, 12 gallons per fill up, totaling $4.80 in monthly savings and $57.60 in annual savings. Grocery spend estimate based on 2022 BLS Report on Consumer Expenditures for food at home (https://www.bls.gov/news.release/pdf/cesan.pdf).

Grocery Cashback Formula: (In Store Spend) x (2%) = Monthly Savings

Estimated monthly grocery cashback savings for the Kroger Family of Companies Rewards Elite Mastercard® based on $475.25 in store spend and 2% Cash Back, totaling $9.51 in monthly savings and $114.06 in annual savings. Grocery spend estimate based on 2022 BLS Report on Consumer Expenditures for food at home (https://www.bls.gov/news.release/pdf/cesan.pdf).

Out of Store Cashback Formula: (Out of Store Spend – Monthly Mobile Wallet Spend) x (1%) = Monthly Savings

Estimated out of store cashback savings for the Kroger Family of Companies Rewards Elite Mastercard® based on $1,380.83 out of store spend, $250 monthly mobile wallet spend (from $3,000 annual mobile wallet spend), and 1% Cash Back, totaling $11.31 in monthly savings and $135.70 in annual savings. Out of store spend estimate based on 2022 BLS Report on Consumer Expenditures for apparel and services, transportation excluding gasoline/fuel, entertainment, personal care products and services, reading, and miscellaneous categories (https://www.bls.gov/news.release/pdf/cesan.pdf).

Mobile Wallet Kicker Formula: (Out of Store Spend up to $3000) x (5%) = Annual Savings

Estimated monthly mobile wallet savings for the Kroger Family of Companies Rewards Elite Mastercard® based on an annual $3,000 mobile wallet spend, 5% mobile wallet kicker, totaling $12.50 in monthly savings and $150 in annual savings.

Total Annual Savings: $660.13*

*Subject to credit limits and fuel point redemption rules

Save $200 per year

5% Savings with Credit Formula: (In Store Spend up to $3,000 x 5% Cash Back) + (Additional In Store Spend x 2% Cash Back) = Monthly Savings

Estimated monthly savings for the Kroger Family of Companies Rewards® Elite Mastercard® and Kroger Pay based on $475.25 in monthly in store spend, $5,703.00 in yearly in store spend, $150 from 5% cash back of $3,000, and $54.06 from 2% cash back of $2,703 (remaining yearly spend after initial $3,000 spend), totaling $17.01 in monthly savings and $204.06 in annual savings. Grocery spend estimate based on 2022 BLS Report on Consumer Expenditures for food at home (https://www.bls.gov/news.release/pdf/cesan.pdf).

Total Annual Savings: $204.06*

*Kroger Pay savings only available if used in tandem with Kroger Credit.

Save up to $1 per gallon of fuel*

Fuel Savings Formula: (Save up to $1 per gallon) x (Gallons per Fill Up) x (Fill Ups per Month) = Monthly Savings

Estimated monthly fuel savings for Third Party National Brands Gift Cards based on redeeming fuel points to save up to $1 per gallon by redeeming up to 1000 points per fill up, 12 gallons per fill up, and 1 fill ups per month, totaling $12 in monthly savings and $144 in annual savings.

Total Annual Savings: $144*

*Savings subject to fuel point redemption rules

Save up to $1 per gallon of fuel*

Fuel Savings Formula: (Save up to $1 per gallon) x (Gallons per Fill Up) x (Fill Ups per Month) = Monthly Savings

Estimated monthly fuel savings for Visa® & Mastercard® Open Loop Gift Cards based on redeeming fuel points to save up to $1 per gallon by redeeming up to 1000 points per fill up, 12 gallons per fill up, and 1 fill ups per month, totaling $12 in monthly savings and $144 in annual savings.

Total Annual Savings: $144*

*Does not account for OLG fees. Fuel points are earned only on denominated cards with values up to $100. OLG does not earn fuel points in Fred Meyer. Savings subject to fuel point redemption rules

Save up to $1 per Money Order*

Competitor Savings Formula: (Competitor Fee - Kroger Fee) = Savings per Money Order

Estimated competitor savings for Money Orders based on $2.00 competitor fee, $1.00 Kroger fee, totaling $1.00 savings per money order.

Savings per Money Order: $1.00*

*Note that fees can vary by Money Order value and by state.

Save up to $4 per check cashed*

Competitor Savings Formula: (Competitor Fee - Kroger Fee) = Savings per Check Cashed

Estimated competitor savings for Check Cashing based on $8.00 competitor fee, $4.00 Kroger fee, totaling $4.00 in savings per check cashed.

Savings per Check Cashed: $4.00*

*Note that fees can vary by check value and by store.

Save up to $490 per year

Switch to Save Formula: (Monthly Spend for Current Phone Plan) - (Monthly Spend for Pre Paid on Same Network) = Monthly Savings

Estimated monthly Switch to Save savings for Phones & Airtime based on $90 monthly spend for an unlimited data post-paid plan versus $50 monthly spend at Kroger for similar service and data on a pre-paid plan, totaling $40 in monthly savings and $480 in annual savings.

Fuel Savings Formula: (Monthly Plan Spend) x (2X Telecom Multiplier) --> (ROUND DOWN TO NEAREST 100 POINTS) x (.0001) x (Gallons per Fill Up) = Monthly Savings

Estimated monthly fuel savings for Phones & Airtime based on $50.00 monthly spend at Kroger for same plan, 100 Fuel Points earned, $0.10 fuel discount earned, 12 gallons per fill up, totaling $1.20 in monthly savings and $14.40 in annual savings.

Total Annual Savings: $494.40*

*Savings vary based on current plan and new prepaid plan costs.

Save up to $4 per check*

Check Cashing vs. Direct Deposit Savings Formula: Checks Cashed per month x (Kroger fee – no fee) = Savings per Check

Estimated savings based on $4.00 check cashing fee at Kroger and $0.00 GPR fee, totaling $4.00 in savings per check.

Savings per Check: $4.00*

*Note that fees can vary by check value and by store.