Kroger Rewards World Elite Mastercard

About the Kroger Rewards World Elite Mastercard®

The Kroger Rewards World Elite Mastercard® is a co-branded credit card issued by U.S. Bank that caters specifically to frequent Kroger shoppers. This card offers elevated cash back rewards on purchases made at Kroger grocery stores and gas stations, as well as competitive rewards for everyday spending, all while charging no annual fee.

Cardholders earn 5% cash back on mobile wallet purchases (such as Apple Pay or Google Pay) for the first $3,000 spent per calendar year, after which those purchases continue earning 1% back. In-store Kroger purchases generate 2% cash back, while all other purchases receive a flat 1%. This structure rewards loyalty without requiring cardholders to track rotating categories or enroll in bonus programs.

In addition to cash back, the card includes exclusive fuel savings when used at Kroger fuel centers, providing an added incentive for shoppers who also rely on Kroger for gasoline. Rewards can be redeemed easily as statement credits or Kroger gift cards, giving users the flexibility to choose the best value for their needs.

About U.S. Bank

U.S. Bank, headquartered in Minneapolis, Minnesota, is one of the largest financial institutions in the United States, with over $559 billion in assets and a footprint of more than 3,000 branches across the country. It offers a wide range of financial services, including personal and commercial banking, credit cards, wealth management, and payment processing.

As a well-established and highly respected bank, U.S. Bank has received accolades such as being named to the World’s Most Ethical Companies list and being recognized for philanthropic efforts and corporate social responsibility. The bank issues a broad portfolio of credit cards, including hotel rewards, airline loyalty cards, and cash back options—with the Kroger Rewards World Elite Mastercard® being one of its tailored offerings for retail partnerships.

U.S. Bank’s reputation for security, reliability, and customer service excellence enhances the appeal of this co-branded card, ensuring that cardholders benefit from both Kroger’s retail presence and the backing of a trusted national banking provider.

Tap the button below to find out exactly how you can apply and discover all the steps involved with the Kroger Rewards World Elite Mastercard®.

Digital Security, Mobile Access, and User Experience

Backed by U.S. Bank’s digital banking infrastructure, the Kroger Rewards World Elite Mastercard® offers a secure and accessible online platform for account management. Through the U.S. Bank mobile app and online dashboard, users can monitor transactions, track rewards, redeem cash back, and schedule payments with ease.

The card is protected by real-time fraud alerts, zero liability for unauthorized purchases, and multi-factor authentication, ensuring peace of mind for both in-store and online use. Cardholders can also set up custom alerts and auto-pay features, promoting responsible usage and helping to avoid missed payments.

Mobile wallet integration is central to the card’s rewards model, and it works seamlessly with Apple Pay®, Google Pay™, and Samsung Pay®, making it easy for users to maximize 5% cash back rewards on qualified digital payments.

For consumers seeking a specialized credit card for groceries and gas, paired with modern security tools and mobile convenience, the Kroger Rewards World Elite Mastercard® is a well-rounded choice offering value, simplicity, and ease of use.

Why Choose the Kroger Rewards World Elite Mastercard®

The Kroger Rewards World Elite Mastercard® is purpose-built for individuals who frequently shop at Kroger grocery stores and fuel centers. The 5% cash back on mobile wallet purchases—up to $3,000 annually—offers strong value for tech-savvy shoppers who pay with their phone. In-store Kroger purchases earn 2%, and the unlimited 1% back on all other transactions ensures continued rewards even outside of Kroger.

What sets this card apart is its exclusive fuel savings. When cardholders spend $6,000 or more annually, they unlock a 25¢ per gallon discount at Kroger gas stations. For households that shop and fill up weekly, these fuel savings can translate into significant annual value.

With no annual fee, this card is a cost-effective option that can either serve as a primary rewards card for Kroger loyalists or as a complement to other cards for strategic savings. It’s especially advantageous for shoppers who rely on Kroger for both groceries and fuel, enabling them to maximize returns on routine expenses.

Although the card may not offer the highest rewards for non-Kroger purchases or for warehouse club shopping, it delivers exceptional value to loyal Kroger customers who consistently spend within the eligible categories.