How to apply to Kroger Rewards World Elite Mastercard Credit Card

The Kroger Rewards World Elite Mastercard offers strong grocery rewards and fuel discounts tailored specifically for loyal Kroger customers. With generous earning rates at Kroger stores and no annual fee, it’s a great option for regular Kroger households looking to amplify their savings.

Benefits of Kroger Rewards World Elite Mastercard

The Kroger Rewards World Elite Mastercard serves up valuable perks for avid Kroger shoppers:

• Earn 5% cash back on eligible mobile wallet purchases (like Apple Pay) up to $3,000 in spending per year, then 1% back thereafter
• Get 2% cash back on all in-store Kroger purchases
• Receive 1% cash back on non-Kroger purchases for everyday use
• Score fuel discounts at Kroger fuel stations when redeeming Kroger fuel points
• Take advantage of easy cash back redemption options and no annual fee

Additional benefits include extended warranty protection, online purchase protection, travel services, and more. For Kroger devotees, this card presents an easy way to maximize grocery and gas savings.

Prerequisites

To be approved for the Kroger Rewards World Elite Mastercard, applicants typically need good to excellent credit. Specifically, a credit score of 700 or above is recommended for the best approval odds. Having no recent bankruptcies or public records is also important. You’ll need to provide your valid Social Security Number so make sure there are no issues with your SSN.

Avoiding any history of making late credit card or loan payments will also strengthen your application since it demonstrates financial reliability. Keeping your credit utilization low across accounts is another way to boost your score. Meeting these common credit card application prerequisites gives you a better shot at securing approval for the coveted rewards and perks of the Kroger World Elite Mastercard.

Who is this card for?

The Kroger Rewards World Elite Mastercard is tailored specifically for regular Kroger shoppers. Since it offers strong rewards for Kroger grocery purchases and fuel discounts at Kroger stations, it makes the most sense for those who frequent Kroger stores.

Households that shop weekly at Kroger and spend significant amounts on groceries can maximize savings with this card. Having a Kroger gas station on your regular commute or nearby is also ideal to take full advantage of the up to 25 cents per gallon fuel savings.

Step by step to apply for the card

Applying for the Kroger Rewards World Elite Mastercard is quick and easy:

1. Go to the official Kroger Rewards Card application page
2. Click “Apply Now” and fill out the secure online application with your personal details. This will include information like your name, address, Social Security Number, income, and more.
3. Submit your application and you’ll typically receive an instant decision from U.S. Bank. Some applications require further review before a decision can be made.
4. If approved, you can activate your new card as soon as it arrives in the mail within 7-10 business days. Then you’ll be ready to start earning rewards!

PRESS HERE TO APPLY TO KROGER REWARDS WOLRD ELITE MASTERCARD CREDIT CARD

Positives and negatives of the card

The Kroger Rewards World Elite Mastercard shines in several ways, especially for devotees of Kroger. It earns decent rewards for Kroger purchases including a standout 5% back on mobile wallet spending up to $3,000 each year. With no annual fee, the card provides generous Kroger rewards that don’t cost extra to maintain.

Cash back redemption is flexible and easy via statement credit or gift cards. And the associated Kroger fuel discounts for hitting certain spending levels are hard to match. However, it does have drawbacks worth noting. The 5% rewards cap at only $3,000 annually which limits its long-term category potential. You also need to shop consistently at Kroger to capitalize on the highest percentage rates. Moreover, there are no low introductory APR offers. And the ongoing variable APR is on the high side at 19.24% – 29.99%.

The key is deciding whether the Kroger-customized perks offset the areas where the card falls short. For true Kroger devotees who buy loads of groceries there and fuel up from Kroger gas pumps, this card can be a loyalty slam dunk worth the trade-offs. If Kroger isn’t a regular shopping stop for your household, other grocery cards could provide better overall rewards as daily drivers without so many hoops to maximize savings. Weigh your Kroger affinity and spending against the card’s pros and cons.

While the card has fantastic perks for loyal Kroger fans, it does fall short in some other aspects. There are no low intro rates, and the ongoing APR is quite high. Plus, you need to be a devoted Kroger shopper to get the full rewards potential.

How to unlock the card?

Activating your new Kroger Rewards World Elite Mastercard is simple. Just follow these steps when your card arrives in the mail:

1. Call the number on the sticker on your card to activate it and set your PIN.
2. You may be asked some identity verification questions.
3. Choose your PIN for ATM access and transactions requiring a PIN.
4. Your card is now active! Sign the back before your first purchase.

You can immediately begin using your card for chip & tap payments without a PIN. Just look for terminals with the contactless logo.

Fees and Tariffs

Here are the main costs to be aware of with the Kroger Rewards Card:

• No annual fee
• No foreign transaction fees
• Cash advance fee: 5% or $10 minimum
• Late payment fee: Up to $40
• Balance transfer fee: 4% or $10 minimum

This card has variable APRs ranging from 19.24% to 29.99% depending on your creditworthiness. There is no 0% introductory APR period offered. Interest rates are relatively high compared to other cards, so balances should be paid in full each month.

About U.S. Bank

The Kroger Rewards World Elite Mastercard is issued by U.S. Bank. Established in 1863, U.S. Bank has grown into one of the largest commercial banks in the U.S. with over $559 billion in assets. Headquartered in Minneapolis, Minnesota, U.S. Bank operates an extensive branch network focused primarily across the Midwest and Western states.

Along with typical banking services, U.S. Bank offers wealth management advice, business banking, payment solutions, and an assortment of retail credit cards including hotel, airline, cash back, and co-branded cards with brands like Kroger. The long track record and nationwide footprint of U.S. Bank provides the infrastructure for the rewards and features of the Kroger Mastercard.

Download the U.S. Bank mobile app (iOS, Android) to easily manage your new card once approved.

PRESS HERE TO DOWNLOAD THE U.S. BANK MOBILE BANKING APP ON IOS

PRESS HERE TO DOWNLOAD THE U.S. BANK MOBILE BANKING ON ANDROID

Customer Service

Contact U.S. Bank 24/7 about your Kroger Rewards World Elite Mastercard:

• By phone: 1-844-237-0593
• Online: usbank.com
• Mobile App: U.S. Bank Mobile App

Check your account activity, pay your bill, set up alerts, redeem rewards and more via online/mobile banking. Customer service agents can also assist with any account-related questions that arise.