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From the Experts at

Kroger’s Credit Card: A Solid Choice for Uber-Shoppers

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For loyal Kroger grocery store customers, the store’s branded Rewards World Mastercard from US Bank could be an attractive tool for saving money on groceries and gasoline purchases. In this Kroger credit card review, we’ll share what you should know about the card so you can decide whether it’s a good choice for you.

What Is the Kroger Rewards World Mastercard?

Kroger refers to its rewards credit card as “three cards in one” because it’s a loyalty card, a rewards card and a standard Mastercard credit card, offering grocery rewards and fuel discounts for people with good credit. Cardholders get 1 point for every dollar spent on all qualifying purchases plus 2 points for qualifying purchases at Kroger’s family of stores (excluding fuel purchases) plus 3 points for purchases of Kroger brand items. Kroger’s family of stores can include Kroger, King Soopers, City Market, Dillons, Baker’s, Smith’s, Fry’s and QFC.

Cardholders also save an additional 25 cents per gallon of gasoline purchased at Kroger fuel centers for the first year when 100 fuel points are redeemed. For every 1000 points cardholders accrue, they receive $5 in free grocery certificates.

Kroger’s Rewards World Mastercard also offers standard zero fraud liability, Mastercard Travel Services, and MasterRental insurance. So to recap:

Kroger Rewards World Mastercard

Card Details: This is an unsecured card designed for people who have good to excellent credit. It offers cardholders 1 point on all qualifying purchases, 2 points on qualifying Kroger stores purchases and 3 points for purchases of Kroger brand items.

Annual Fee: $0

APR: Variable 13.99% to 25.99% for purchases (based on creditworthiness) 

Who this card is good for: Loyal Kroger and Kroger family stores shoppers who want incentives for grocery purchases and savings on gasoline purchases.

Who this card is not right for: People prone to carrying a balance or those with so-so credit since, like most store-branded or even rewards credit cards in general, the interest rate can be high.

Options for Other Shoppers

If you’re not the kind of shopper who is loyal to one particular grocery store or you just want more flexibility when it comes to card benefits, there are rewards cards that could offer you greater flexibility. One example is the Chase Freedom Card. 

Chase Freedom

Chase Freedom®

Apply Now
on Chase's secure website
Card Details
Intro Apr:
0% for 15 months on purchases

Ongoing Apr:
16.74% - 25.49% Variable

Balance Transfer:
Intro: 0% for 15 months

Annual Fee:

Credit Needed:
Snapshot of Card Features
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit JourneySM

Card Details +

Why We’re Mentioning It: Chase Freedom offers 1% cash back on all purchases, with 5% cash back on up to $1,500 for different categories each quarter. Sometimes, credit cards are included in these rotating categories. 

Signup Bonus: You’ll also earn $150 back after spending $500 in purchases on your new card within the first three months.

Whatever card you end up choosing, it’s a good idea to check your credit before applying. Not only is it good to know where your credit stands, but errors on your credit reports that you’re unaware of could hurt your chances of qualifying. You can make sure your credit is in good standing by viewing a free snapshot of your credit reports on

At publishing time, the Chase Freedom card is offered through product pages, and is compensated if our users apply for and ultimately sign up for any of these cards. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

This article was last updated on September 21st, 2017

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Certain credit cards and other financial products mentioned in this and other articles on News & Advice may also be offered through product pages, and will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.