The Kroger REWARDS World Mastercard® gives you unlimited rewards. Every 1,000 points = $5 in free groceries.


1 point per eligible net $1 spent anywhere1 Mastercard is accepted.


2 points per eligible net $1 spend in the Kroger family of companies (excluding fuel centers).


3 points per eligible net $1 on the Kroger family of quality brands.

Kroger REWARDS World Mastercard® benefits

An additional 25 off per gallon for one year each time you redeem 100 Fuel Points2 at participating Kroger Family of Companies Fuel Centers.

Earn $100 cash back3 when you apply, get approved and spend $200 in net purchases within 40 days of account opening with your Kroger REWARDS World Mastercard®.

Earn free groceries with every eligible net purchase.1

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The Kroger REWARDS World Mastercard® is your ticket to instant savings at the fuel station.

Earn an additional 25¢ off per gallon for one year each time you redeem 100 fuel points.2

See how quickly your Reward Points add up!

Q1.How much do you spend per month outside our stores?


Q2.How much do you spend per month on all purchases at our stores? (excluding fuel and Kroger Family of Companies Own Brand Products)


Q3.How much do you spend per month on Kroger Family of Companies Own Brand Products?

Every quarter you could earn
 Rewards Points
$ each quarter

Save an additional 25 per gallon of fuel for a year - Each time you redeem
100 Fuel Points.

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U.S. Bank may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

©2018 U.S. Bank National Association. All rights reserved.

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information.

1 Earn Rewards Points toward free groceries. Rewards Points are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions qualify for Rewards Points, such as Advances, Balance Transfers, and Convenience Checks. You may not redeem points, and you will immediately lose all of your points, if your Account is closed to future transactions (including, but not limited to, Program misuse, failure to pay, bankruptcy, or death). Purchases made at The Kroger Family of Companies Fuel Centers do not earn Rewards Points. Rewards Certificates sent automatically only to balances greater or equal to 1,000 Rewards Points, if your Account is open and in good standing. Rewards Certificates cannot be redeemed at Fuel Centers. Upon approval, see your Cardmember Agreement for details.
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2 Offer applies to new cardmembers only. Subject to credit approval. Discount is available at Kroger Family of Companies Fuel Centers each time you redeem at least 100 existing Fuel Points earned in a single month. You must scan, redeem Fuel Points and pay with your 1-2-3 REWARDS® World Mastercard® in order to receive the fuel discount. Additional 25¢ discount offer expires one year from the cardholder’s approval date. Upon expiration, cardholder will receive additional 5¢ fuel discount at Kroger Family of Companies Fuel Centers each time they scan, redeem Fuel Points and pay with their 1-2-3 REWARDS® World Mastercard®. Not valid with any other fuel offer. Accumulation excludes taxes, office services, alcohol, tobacco, fuel, prescriptions and any purchases prohibited by law. Fuel discount effective for a limited time at participating fuel center locations. Not valid in LA, MO or where prohibited by law. Purchases made at Kroger Family of Companies Fuel Centers do not earn Rewards points or Fuel Points. Please see store for fuel discount details and in-store spending requirements. Selling or purchasing Fuel Points is prohibited. Fuel redemption offer cannot be combined with any other discounts. No discounts to dealers, wholesalers, or fleet programs. No cash back. Not valid where prohibited by law. We may suspend or remove you from the fuel program due to violation of these terms or because of fraudulent activity or suspected fraudulent activity.
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3 Must submit application, be approved for the 1-2-3 REWARDS® World Mastercard®, and spend $200 in net purchases within 40 days of account opening to automatically earn the $100 cash back. The $100 cash back will be applied as a statement credit on your Account. Please allow 6-8 weeks for your $100 statement credit to be credited to your account. Your account must be open and in good standing to receive this bonus.
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