MastercardKroger Rewards World Elite Mastercard
5% on mobile wallet spend and fuel discounts across the entire Kroger grocery empire.
Welcome Bonus
$100
≈$100 value
Spend Requirement
$500
in 3 months
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Current offer note: $100 cash back after $500 in net purchases within 90 days; verify availability, the application page went dark in May 2026
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xMobile wallet purchases
- 2xKroger family of stores
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦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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