Kroger Rewards World Elite Mastercard®
- Best for: Households that buy fuel and order pickup or delivery at Kroger family stores
- What Sets It Apart: 4 points per $1 at Kroger fuel pumps; up to 5 points per $1 on Kroger pickup and delivery orders; free Boost Essential membership
- Cost: $0 annual fee; 18.24% to 32.24% variable APR; $0 foreign transaction fee
- Rewards: Up to 5 points per $1 on Kroger pickup and delivery orders; 4 points per $1 at Kroger fuel pumps; up to 3 points per $1 in Kroger family stores; 2 points per $1 on dining, utilities, and travel
- Welcome Offer: $100 Kroger reward after $750 in purchases outside Kroger within 90 days of account opening
- Pros: No annual fee; 4 points per $1 on Kroger fuel, which the loyalty program doesn’t reward; no delivery fee on next-day orders of $35 or more; points earned with the card don’t expire while the account is active
- Cons: Only 1 point per $1 of its own in stores; 1 point per $1 on most other purchases; points go only toward Kroger grocery and fuel discounts; Boost renews at full price if you close the card without canceling it
Get the Kroger Rewards World Elite Mastercard® if you buy Kroger fuel or order Kroger groceries online. You earn 4 points per dollar at the pump and up to 5 on those orders, each worth a penny off groceries. In stores, a card paying 3% at supermarkets, plus Kroger’s loyalty point, beats this card’s 3 points.
Kroger launched this no-fee Mastercard in September 2026 with Imprint, which runs it. It replaced Kroger’s U.S. Bank cards, Fred Meyer’s included, which U.S. Bank began moving to its Smartly Visa in 2026, so their holders must reapply.
Key Features
- No annual fee or foreign transaction fee; variable interest rate of 18.24% to 32.24%
- Up to 5 points per $1 on Kroger online orders, 4 at its fuel pumps, up to 3 in its stores, 2 on dining, utilities, and travel, and 1 elsewhere
- Every 100 points take $1 off groceries or 10 cents a gallon off one fill-up, up to $1 a gallon on as many as 35 gallons
- Free Boost Essential membership, normally $69 a year, which waives delivery fees on next-day orders of $35 or more
- $100 Kroger reward after $750 in purchases outside Kroger within 90 days of account opening
Pros
- 4 points per $1 at Kroger fuel pumps, where Kroger’s loyalty program pays none
- On a 15-gallon fill-up, 1,000 points save $15, versus $10 off groceries
- Points earned with the card don’t expire while the account stays active and in good standing
- Earns the full in-store rate at Fred Meyer and 15 other Kroger chains
- World Elite Mastercard perks, like a $5 monthly Lyft credit after three rides
Cons
- In stores, the card itself pays 1 of the 3 points per $1; Kroger’s loyalty program and Boost pay the rest
- 1 point per $1 on other purchases, half a flat 2% card’s rate
- Points go only toward Kroger grocery and fuel discounts
- Close the card, and Boost renews at full price unless you cancel it
- The welcome reward buys only groceries and expires at the end of the second month after it’s issued
Households that buy Kroger fuel and order online get the most, since the card itself pays 4 points per dollar at the pump and 3 online. In-store shoppers do better with a card paying 3% at supermarkets, which earns 4 cents per dollar with Kroger’s loyalty point, against 3 cents from this card’s 3 points.
Learn more about the Kroger Rewards World Elite Mastercard® or see how it compares to the best credit cards for groceries.
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