The Kroger Rewards World Elite Mastercard is a unique credit card designed especially for those who frequent Kroger stores or its affiliates and want to quickly accumulate rewards with each purchase.
This card offers a series of benefits, such as cash back on everyday purchases, discounts on selected products, and increased rewards for purchases made in Kroger stores.
With the possibility of accumulating up to 2% cash back on purchases in Kroger stores, in addition to 1% on other purchases, the Kroger Rewards World Elite Mastercard provides advantages for those who want to make the most of their everyday purchases.
In addition, it offers an easy-to-use platform, allowing you to manage your balance and rewards through the account management app.
Is This Card the Best Option for You?
The Kroger Rewards World Elite Mastercard may be the best choice for you if:
- You frequent Kroger stores: If you frequently shop at Kroger stores or its affiliates, this card can be a great way to quickly accumulate rewards on every purchase you make.
- You want cash back on everyday purchases: The card offers 1% cash back on purchases outside of Kroger stores, allowing you to earn rewards anywhere.
- You want a good user experience: The Kroger Rewards World Elite Mastercard is easy to use, with access to an intuitive rewards dashboard and an efficient management app.
- You are loyal to a supermarket: If you value loyalty rewards and are already a regular customer at Kroger stores, this card offers a great return on your purchases, especially on food and everyday items.
Negative Aspects to Consider
While the Kroger Rewards World Elite Mastercard is a great option for many people, there are a few negative aspects to consider:
- Relatively high interest rate: Like most credit cards, the Kroger Rewards World Elite Mastercard has an annual interest rate that can be high if you don’t pay off your balance in full each month.
- Cashback Limitations: While the 2% cashback on purchases at Kroger stores is appealing, this benefit is limited to a specific number of transactions or a maximum cashback amount.
- Restricted Availability: The Kroger Rewards World Elite Mastercard can only be used at Kroger stores and its affiliates to obtain maximum benefits. For purchases outside of these chains, the cashback is lower (1%).
- Credit Requirements: To be approved, you must have a good credit history, which may make approval difficult for those with limited or recent credit history.
Requirements to Apply for Your Credit Card
To apply for the Kroger Rewards World Elite Mastercard, you will need to meet the following requirements:
- Minimum Age of 18: The applicant must be of legal age.
- Adequate Credit History: To be approved, you must have a good credit history. The card is intended for individuals with a good or excellent credit profile.
- United States Residency: The card is available to residents of the United States.
- Minimum income: While the bank doesn’t specify an exact amount, a steady income will be required for approval.
- Financial information: During the application process, you’ll need to provide personal and financial information, such as your social security number, address, and banking information.
You can apply for the Kroger Rewards World Elite Mastercard digitally, on the Kroger website, or over the phone.

Apply Tracking
After you apply for the Kroger Rewards World Elite Mastercard, you can track the status of your application.
They usually respond quickly, and you’ll be notified if your application is approved or if there are any issues.
You can track the status of your application by logging into your account online or by calling customer service.
Costs Associated with the Credit Card
While the Kroger Rewards World Elite Mastercard has several advantages, it is important to be aware of some associated costs:
- Interest rate (APR): The card offers variable interest rates that can range from 15.24% to 25.24% per year, depending on your credit profile.
- Foreign transaction fee: This card charges a 3% fee on purchases made in foreign currencies.
- Late fee: If you do not pay your card bill on time, a late fee of up to $40 may be charged.
- Cash advance fee: If you make a cash advance, you will be charged a 5% fee on the amount withdrawn, in addition to the interest rate on the advance amount.
Credit Card FAQs

How do the Kroger Rewards World Elite Mastercard rewards work?
You earn 2% cash back on purchases made at Kroger stores and 1% cash back on other purchases.
Cashback can be redeemed on products in stores or converted to statement credits.
What is the card’s interest rate?
The annual percentage rate (APR) for the Kroger Rewards World Elite Mastercard ranges from 15.24% to 25.24% per year, depending on your credit profile.
What happens if I don’t pay my bill on time?
If you don’t pay your bill on time, you’ll be charged a late fee of up to $40 and the interest rate will be applied to the outstanding balance.
How do I redeem my rewards?
Rewards can be redeemed as statement credits or discounts on purchases made at Kroger stores, depending on the option you choose.
Does the card have an annual fee?
The Kroger Rewards World Elite Mastercard has no annual fee.
Contact Methods for the Card Issuing Bank
If you need assistance or have questions about the Kroger Rewards World Elite Mastercard, please contact Kroger through the following channels:
- Phone: Call 1-866-258-0329 for customer service.
- Website: Visit the Kroger website for more information about the card at www.kroger.com.
- Online Chat: Use the online chat on the Kroger website for immediate support.
Conclusion
The Kroger Rewards World Elite Mastercard is a great card for those who frequent Kroger stores and want to accumulate rewards quickly.
Its cash back program offers great returns, especially for those who shop frequently at Kroger and its affiliates.
However, it is important to consider the interest rates and transaction costs, especially if you cannot pay your bill in full each month.
If you are a regular Kroger customer and want a simple card with straightforward benefits, the Kroger Rewards World Elite Mastercard may be a great option to maximize your everyday purchases and save money.