Kroger REWARDS World Mastercard®

For People with
Fair Credit



The Kroger REWARDS World Mastercard® is designed for anyone who loves Kroger stores and products. You can apply for it online or in-store at the customer service desk.

This rewards credit card replaced the older 1-2-3- Rewards Visa. Kroger grocery stores no longer accept Visa credit cards.

Cardholders earn rewards points on all eligible net purchases at a rate of 3X points per dollar on Kroger Family of Companies Own Brand Products, with 2X points for other purchases from the Kroger Family of Companies (excluding gas stations).

Since each point is only worth 0.5 cents each, you’d be earning a cash back equivalent of 1.5% when spending at the 3X rate, and just 1% when spending at the 2X rate.

You can also get a 25¢ fuel discount for a year at Kroger Family of Companies fuel centers by redeeming 100 fuel points, which are earned when shopping at Kroger and using your Kroger Plus card number.

Points will be automatically redeemed for Rewards Certificates if your account is open and in good standing. Every 1,000 points in this rewards program is equal to $5 in Reward Certificates.

The Kroger REWARDS card has no annual fee. It’s issued by U.S. Bank National Association.

After being approved for this card you can join the Kroger Community Rewards program at

Where can I use my Kroger REWARDS World Mastercard®?

This card can be used anywhere Mastercard is accepted.

Card Quick Facts

Card Quick Facts

  • Earn free groceries faster at Kroger®; 3X points per dollar spent on Kroger Family of Companies Own Brand Products
  • 2X points per dollar spent in the Kroger Family of Companies (excluding fuel centers)
  • 1X point per dollar spent anywhere else
  • Save an additional 25¢ a gallon when you redeem 100 fuel points at participating Kroger® family of stores fuel centers.
  • Every 1,000 points earned is equivalent to $5 in free groceries. Rewards are redeemed automatically every quarter.
  • No annual fee

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 3X points per dollar spent on Kroger Family of Companies Own Brand Products
  • 2X points per dollar spent in the Kroger Family of Companies (excluding fuel centers)
  • 1X point per dollar spent for all other purchases
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 13.99%–25.99% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $35
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 13.99%–25.99% Variable
Balance Transfer Fee 4%, $10 minimum
Cash Advances

Cash Advances

Cash Advance APR 27.24% Variable
Cash Advance Fee 4%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Fuel Discount

    25¢ fuel discount at Kroger fuel stations for a year when 100 fuel points are redeemed at participating Kroger family of stores.

  • Free Annual Account Summary

    See a record of your annual credit card activity.

  • Zero Fraud Liability

    You are not held responsible for unauthorized activity. Contact customer support immediately if you suspect fraud.

  • Identity Theft Resolution Services

    Provides assistance in the event of identity theft, including contacting credit bureaus and issuing an ID Theft Affidavit.

  • Purchase Assurance

    Eligible purchases are covered for 90 days against damage and theft.

  • Satisfaction Guarantee

    If a retailer won’t accept an eligible return, you can be reimbursed up to $250.

  • Warranty Manager Service

    Extends eligible manufacturer’s warranties, and digitally stores warranty information.

  • Travel Assistance Services

    Provides help with legal, travel and medical services when traveling.

  • MasterRental Collision Damage Waiver

    Covers eligible rental vehicles against collision damage and theft, as long as you decline the rental agency’s own insurance.

  • Mastercard Global Service

    Call any time for lost and stolen card reporting, emergency card replacement or cash advance, and more.

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