The Kroger Rewards World Elite Mastercard is a credit card that offers its users the opportunity to earn generous rewards on purchases, especially at supermarkets and other everyday shopping.
In partnership with Kroger, one of the largest supermarket chains in the United States, this card provides cashback on purchases and a variety of exclusive benefits, making it an excellent option for loyal customers of the brand.
This card is ideal for those looking for a personalized shopping experience, with a focus on discounts and rewards in widely used categories such as groceries, fuel, and pharmacy.
About the Financial Institution
Kroger is one of the largest supermarket chains in the United States, with more than 2,700 stores across the country.
In addition to its supermarkets, Kroger also owns several brands and stores in the pharmacy, fuel, and health and wellness sectors.
The company operates in various locations, offering a wide range of both food and non-food products.
The Kroger Rewards World Elite Mastercard is issued in partnership with U.S. Bank, one of the leading financial institutions in the United States, which has an extensive portfolio of banking products, including credit cards, loans, and investment solutions.
Who Is This Card For?
The Kroger Rewards World Elite Mastercard is ideal for consumers looking to maximize rewards on their daily purchases. This card is especially beneficial for:
- Frequent Kroger Shoppers: If you regularly shop at Kroger or affiliated stores, this card offers significant cashback and special discounts on your purchases.
- Those Looking for Cashback Across Multiple Categories: In addition to Kroger purchases, the card provides cashback in other popular categories such as gas, pharmacies, and groceries.
- Consumers Who Prefer Cards with Great Rewards: If you want to accumulate points quickly and enjoy exclusive discounts and offers, the Kroger Rewards World Elite Mastercard could be the perfect choice.
Advantages of the Kroger Rewards World Elite Mastercard
The Kroger Rewards World Elite Mastercard offers several advantages that make it one of the most attractive cards for those seeking rewards on their purchases:
- 5% Cashback on Purchases at Kroger: Earn 5% cashback on qualifying purchases made at Kroger stores and their affiliates, including Kroger Pharmacy, Kroger Fuel Centers, and Kroger Marketplace.
- 2% Cashback on Fuel Purchases: The card offers 2% cashback on fuel purchases made at Kroger-affiliated gas stations, helping you save on a necessary item like gas.
- 1% Cashback on All Other Purchases: For all purchases that don’t qualify for the 5% or 2% categories, the card offers 1% cashback on any other expenses, from grocery shopping to dining out and more.
- World Elite Mastercard Benefits: As a World Elite Mastercard, you also have access to a range of exclusive benefits offered by Mastercard, including special offers, event access, and additional travel protection.
- Accumulating Rewards: The cashback earned with the Kroger Rewards World Elite Mastercard can be accumulated and used for discounts on future purchases, gift cards, or transferred to travel rewards or other products.
- No Annual Fees: The card does not charge an annual fee, making it even more accessible for those looking for a credit card with significant benefits without yearly costs.
- Fraud Protection: With fraud protection provided by Mastercard, you can shop securely knowing that your transactions are protected against unauthorized activity.
Additional Benefits
In addition to cashback advantages, the Kroger Rewards World Elite Mastercard offers other benefits to enhance the user experience:
- Access to Exclusive Offers: As a cardholder, you have access to special offers and promotions through the Mastercard Priceless Cities program, which includes exclusive experiences, from travel to special events across several cities in the U.S.
- Purchase Protection: The card provides purchase protection that ensures the safety of your purchases against damage or theft within a specified period after purchase.
- Emergency Assistance: With the World Elite Mastercard, you receive travel assistance and emergency services such as card replacement, concierge services, and help with lost luggage.
- Access to Travel Offers: If you plan to travel, the card offers additional travel benefits such as travel insurance and access to discounts on hotels, car rentals, and vacation packages.
- Zero Liability for Fraud: You have zero liability for unauthorized purchases made with your card, providing an extra layer of security.
Expert review
The Kroger Rewards World Elite Mastercard is a highly rewarding credit card, particularly suited for frequent shoppers at Kroger and affiliated stores.
It offers an impressive 5% cashback on Kroger purchases, 2% cashback on fuel, and 1% cashback on other transactions.
Additionally, it provides exclusive World Elite Mastercard benefits, such as special offers and travel protections.
The absence of an annual fee further enhances its appeal.
Ideal for those seeking a customizable rewards program, the card is a strong choice for maximizing everyday spending, especially in groceries, fuel, and pharmacies.
You will remain on this site
+Positive points
- 5% cashback on Kroger purchases: Earn 5% cashback on qualified purchases at Kroger stores and affiliated locations, including pharmacies and fuel stations.
- 2% cashback on fuel purchases: Save even more with 2% cashback on fuel purchases at Kroger-affiliated gas stations.
- 1% cashback on all other purchases: The card offers 1% cashback on all other purchases, providing rewards on a wide range of expenses.
- Exclusive World Elite Mastercard benefits: Access special offers, exclusive events, and added travel protections.
- No annual fee: The card charges no annual fee, making it an affordable option for those seeking significant benefits without annual costs.
- Negative points
- Limited cashback categories: High cashback rates are limited to purchases at Kroger and fuel, with a lower rate for other types of purchases.
- Restricted availability: This card is most advantageous for consumers who shop frequently at Kroger and its affiliates, limiting its usefulness for other types of consumers.
- Rewards are not automatic: Cashback must be accumulated and may not be as easy to redeem as automatic rewards programs offered by other cards.
