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Kroger REWARDS World Mastercard®

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This card replaced the older 1-2-3- Rewards Card, and Kroger no longer accepts Visa cards. You can earn points at Kroger (more points for Kroger Family of Companies Own Brand Products) and get a 25¢ fuel discount for a year by redeeming fuel points.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 12.99%–24.99% Variable

Kroger REWARDS World Mastercard®

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


  • 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

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 12.99%–24.99% Variable
Balance Transfer Fee 4%, $10 minimum
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $39
Returned Payment Fee Up to $35
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 26.24% Variable
Cash Advance Fee 4%, $10 minimum
How to Get a Cash Advance with a Credit Card
Kroger REWARDS World Mastercard®


  • 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

U.S. Bank

U.S. Bank has several card types depending on your needs.

Manage your Account & Pay your Bill

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Credit card issuer's website

Speak to Customer Service

1-701-461-0489 or

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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

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