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Kroger REWARDS World Mastercard®- Review [2025]

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Alex Miller
Updated: 
Edited by: Kellie Jez

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Kroger REWARDS World Elite Mastercard®

Kroger REWARDS World Elite Mastercard®

U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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Apply Now(at Kroger's secure site)

  • $100 statement credit

  • $0

Kroger REWARDS World Elite Mastercard®

The Kroger Mastercard helps you earn more cash-back with up to 5% cash-back rewards on your Kroger purchases with no annual fee.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon3
Apply Now(at Kroger's secure site)
Summary

The information regarding the Kroger REWARDS World Elite Mastercard® was independently collected by Upgraded Points and was not provided nor reviewed by the issuer. 

Earn up to 5% cash-back on mobile wallet and Kroger Pay transactions, 2% cash-back on purchases inside Kroger stores, and 1% back everywhere else. Plus, you can save an additional 55 cents per gallon of fuel each time you redeem at least 100 Fuel Points at Kroger Fuel Centers for the first year.

Card Details

Card Snapshot

Welcome Bonus & Info

  • Up to 5% cash-back on mobile wallet and Kroger Pay transactions on up to $3,000 in purchases each year and 2% back thereafter
  • 2% cash-back on purchases inside Kroger stores
  • 1% cash-back everywhere else
  • Save an additional 55¢ per gallon of fuel each time you redeem at least 100 Fuel Points at Kroger Fuel Centers for the first year
  • Earn 2x Fuel Points and $59 toward a free Next-Day Delivery Boost membership after you apply and are approved for the credit card, and complete your Boost enrollment
  • No annual fee
Pros & Cons

Pros

  • Up to 5% cash-back on mobile wallet and Kroger Pay transactions on up to $3,000 in purchases each year and 2% back thereafter
  • 2% cash-back on purchases inside Kroger stores
  • 1% cash-back everywhere else
  • Save an additional 55¢ per gallon of fuel each time you redeem at least 100 Fuel Points at Kroger Fuel Centers for the first year
  • Earn 2x Fuel Points and $59 toward a free Next-Day Delivery Boost membership after you apply and are approved for the credit card, and complete your Boost enrollment
  • No annual fee

Cons

  • 5% cash-back category is limited to up to $3,000 in Kroger Pay and mobile wallet transactions each year
  • Must have at least 1,000 points ($10) to redeem cash-back for Kroger purchases and 2,500 points ($25) to redeem for a statement credit
Upgraded Points: Expertise You Can Trust

Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.

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Frequently Asked Questions

What is the annual fee on the Kroger Mastercard?

The Kroger Mastercard does not charge an annual fee.

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About Alex Miller

Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business, The New York Times, and more.

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