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Kroger Rewards World Elite Mastercard® review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
19.24% ‐ 29.99% (Variable)
Interest Rate: Purchases
19.24% ‐ 29.99% (Variable)
Balance Transfer
19.24% ‐ 29.99% (Variable)
Balance Transfer
19.24% ‐ 29.99% (Variable)
1 - 2% cashback
1 - 2% cashback
Signup Bonus
Signup Bonus

Informr score
The Kroger Rewards World Elite Mastercard® currently has an Informr score of 5.7 out of 10. This score is based on our evaluation of 6 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Kroger Rewards World Elite Mastercard® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Kroger Rewards Elite Mastercard is a fairly bare-bones credit card for shopping at the grocery store chain. Unlike many other rewards cards, it doesn’t offer a welcome bonus and to earn the highest reward tier, cardholders need to make mobile wallet purchases only. Still, it’s a solid option for...

- Jasmin Suknanan, Select

This card has a very particular audience. For it to be worth your while, you need to be so entrenched in the Kroger ecosystem that you regularly buy your groceries and more at its properties and also make full use of the promotional fuel offer. Otherwise, you’re likely better off using a flat 2% cas...

- Nick Cole, Clark

The Kroger World Elite Mastercard is a straightforward, no-frill rewards card built for loyal Kroger customers. While cardholders can earn cash back outside of Kroger and associated stores, it’s most beneficial to people who use mobile wallets and fuel up at Kroger gas stations. That being said, it...

- Ashley Parks, Bankrate

The Kroger REWARDS World Mastercard could be a good choice if you mainly shop at Kroger and Kroger Family of Companies stores and are satisfied to use your rewards at those locations. The first-year discount on gas is also a money-saving benefit that might tempt you to sign up.

- Rebecca Lake, Dale Brauner, Investopedia
The Balance
The Balance

You’ll get 55 cents off per gallon for the first year you have an account, as long as you redeem at least 100 fuel points earned through Kroger’s loyal shopper program whenever you use your card at the pump. It shouldn’t be hard for regular customers at Kroger-owned stores to do this on a consistent...

- Holly D. Johnson, Michael Rosenston, The Balance


Interest Rates
Regular APR Interest Rate 19.24% ‐ 29.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 19.24% ‐ 29.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 29.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 4%

Minimum of $10

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $41.00


Sign up bonus No
All Purchases 1% cash back
Restaurants No
Gas No
Groceries 2% cash back

On purchases in the Kroger family of companies (excluding fuel centers).

Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

5% cash back on mobile wallet purchases for the first $3,000 per calendar year, then 1% thereafter

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Mastercard Travel Services
  • Mastercard ID Theft Protection
  • Save an additional 25¢ per gallon of fuel everyday each time you redeem at least 100 fuel points at Kroger Fuel Centers for the first year and thereafter when you spend $6,000 in a calendar year.
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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