Kroger Rewards World Elite Mastercard

Ever thought about getting a credit card that actually helps you save on groceries, gas, and more? The Kroger Rewards World Elite Mastercard might be your new best friend.

This guide breaks down everything you need to know-no confusing jargon, just real talk and practical tips. Whether you’re a loyal Kroger shopper or just looking for smart ways to save, let’s dive in!

Let’s make it simple. The Kroger Rewards World Elite Mastercard is a credit card you can use anywhere Mastercard is accepted. But here’s the kicker: it gives you extra rewards when you shop at Kroger and its family of stores. Think cash back, fuel savings, and exclusive perks.

You don’t need to be a finance pro to use it. Just swipe, earn, and save.

Every time you use your Kroger Rewards World Elite Mastercard, you earn points and cash back. The more you use it-especially at Kroger-the more you get back in rewards. Plus, you can use it for groceries, gas, and even online shopping.

And there’s no annual fee. Yep, you read that right.

Here’s where this card really shines. Let’s break down the key benefits:

• Save 25¢ per gallon at Kroger fuel centers for the first year when you redeem at least 100 fuel points.
• Keep that 25¢ discount every year if you spend $6,000 or more with the card.
• Otherwise, you get 5¢ off per gallon after the first year.

• 5% cash back on mobile wallet purchases (Apple Pay, Google Pay, Samsung Pay, etc.) for the first $3,000 per year, then 1% after.
• 5% cash back on Kroger Pay purchases for the first $3,000 per year, then 2% after (excluding Kroger fuel centers).
• 2% cash back on purchases inside Kroger stores (excluding fuel centers).
• 1% cash back on all other purchases.

• Earn a $100 statement credit when you spend $500 in the first 90 days.

• You pay $0 per year to keep the card.

• Travel & Lifestyle Services: Get help with trip planning, hotel deals, and more.
• Zero fraud liability: You’re protected if someone uses your card without permission.
• ID Theft Protection: 24/7 monitoring for your personal info.
• Cell phone protection: Coverage if your phone is stolen or damaged (when you pay your bill with the card).
• Concierge service: Need help booking a table or finding tickets? Just ask.

• Free Next-Day Boost Membership for a year (grocery delivery and extra fuel points).
• Access to special promotions and personalized offers through the Kroger app.

Let’s get real. Is this card worth it?

• Kroger Shoppers: If you shop at Kroger or its family of stores, this card is a no-brainer.
• People Who Drive: Big fuel savings add up, especially if you commute or have a family.
• Mobile Wallet Users: Love paying with your phone? The 5% cash back is hard to beat.

• High rewards on mobile wallet and Kroger Pay purchases.
• Great fuel savings, especially in the first year.
• No annual fee.
• Easy to redeem rewards for cash back, gift cards, or real-time statement credits.
• Extra perks from Mastercard World Elite.

• The 5% cash back has a $3,000 yearly cap for mobile wallet and Kroger Pay each. After that, the rate drops.
• You need to spend $6,000 per year to keep the 25¢ fuel discount after year one.
• No rewards for fuel purchases themselves.
• Not as valuable if you don’t shop at Kroger often.

Max out the $3,000 cap in both mobile wallet and Kroger Pay categories to get the most cash back and maintain your fuel discount for the next year.

• Visit the [Kroger Mastercard site].
• Fill out the online application. You’ll need basic info like your name, address, and income.
• Most people get a decision instantly. If approved, your card arrives in 7–10 days.

• Call 888-200-9959 to activate when your card arrives.

• Go to the Kroger Mastercard login page.
• Enter your username and password.
• You can check your balance, pay your bill, and see your rewards online.

• Use your Kroger digital account to access shopping, rewards, and more.

• Use your card for every purchase-groceries, gas, online shopping, and more.
• Get bonus cash back for using mobile wallets and Kroger Pay.
• Earn extra fuel points on qualifying purchases.

• Redeem for statement credit (minimum $10 in rewards needed).
• Redeem for Kroger gift cards (minimum $25 in rewards).
• Use Real-Time Rewards for instant savings at checkout.
• Rewards expire after 36 months, so don’t let them sit too long.

• Earn 1 fuel point per $1 spent at Kroger (2 points for gift cards).
• Redeem 100 fuel points for 10¢ off per gallon, up to $1 per gallon at Kroger fuel centers.
• Points expire at the end of the month after you earn them.

Here’s a quick comparison:

Feature	Kroger Plus Card	Kroger Rewards Mastercard
Cost	Free	No annual fee
Fuel Points	Yes	Yes, plus bonus points
Cash Back	No	Yes (up to 5%)
Mobile Wallet Rewards	No	Yes
Extra Perks	Limited	World Elite Mastercard benefits

Tip: You can use both together for maximum savings!

The Kroger app is your best friend for managing rewards.

• Link your Plus Card or Mastercard for instant savings.
• Clip digital coupons and add them to your account.
• Track fuel points and rewards in real time.
• Order groceries for pickup or delivery right from the app.
• Get personalized offers and bonus rewards.

If you prefer a computer, log in at kroger.com for the same features.

World Elite Mastercard is the top tier of Mastercard benefits. Even if your Kroger card isn’t issued by Capital One, you get these perks:

• Travel & Lifestyle Services: Lowest hotel rate guarantee, trip planning, and luxury upgrades.
• Cell Phone Insurance: Up to $800 per claim for theft or damage when you pay your bill with the card.
• Concierge Service: 24/7 help for reservations, tickets, and travel needs.
• ID Theft Protection: Alerts and help if your info is stolen.
• Global Emergency Services: Lost card replacement, cash advances, and more.

Pro Tip: Always check your card’s benefits guide for the full list and details.

• Always use mobile wallet or Kroger Pay for 5% back up to the cap.
• Shop at Kroger stores for 2% back on everything else.
• Redeem fuel points every month before they expire.
• Spend $6,000 per year to keep the 25¢ fuel discount.
• Use the Kroger app for bonus offers and digital coupons.
• Combine with the Plus Card for extra fuel points and deals.

Interested in working at Kroger? Check out Kroger Careers for job openings, benefits, and application info.

Need help with your card?

• Call 24-hour Cardmember Services for questions or lost cards.
• Use the Kroger app or website for account help and support.

The Kroger Rewards World Elite Mastercard is a powerful tool for anyone who shops at Kroger or wants to save on groceries and gas. With big rewards, no annual fee, and extra perks, it’s a smart choice for families, commuters, and savvy shoppers. Use the tips in this guide to get the most out of your card, and watch your savings grow every month.