Kroger Rewards World Elite Mastercard
By Alex Compton · Last verified
5% on mobile wallet spend and fuel discounts across the entire Kroger grocery empire.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $100 | $500 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2024-01 | $100 | $500 in 3 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 5xMobile wallet purchasesFirst $3,000 per calendar year, then 1%
- 2xKroger family of stores
- 1xAll other purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Covers the whole Kroger family: Ralphs, Fred Meyer, King Soopers, Smith's, Fry's, QFC, Dillons and more
- ✦25 cents off per gallon at Kroger fuel centers when redeeming 100+ fuel points, first year
- ✦Fuel discount extends past year one with $6,000 annual card spend
Why it earns its spot
- +5% on mobile wallet spend covers far more than groceries if you pay by phone
- +Fuel discounts stack on top of regular Kroger fuel points
- +No annual fee
Where it costs you
- −The 5% mobile wallet rate caps at $3,000 of spend per year
- −U.S. Bank pulled the public application page in May 2026 and has not said why
- −2% in-store is ordinary for a grocery cobrand
The Compound Verdict
The mobile wallet 5% is the trick: tap your phone everywhere and this no-fee card pays $150 a year on the capped spend alone, plus real gas savings for Kroger households. The catch is availability, the application page disappeared in spring 2026 with no official word. If you can still get in, it earns its keep.
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