How to Apply

How can I apply for a Kroger Rewards World Elite Mastercard®?

Apply online or call 1-888-219-1822 to apply by phone.

Can I receive a Kroger Rewards World Elite Mastercard® without already having a Shopper’s card number?

Yes. If you do not currently have a Shopper’s card number with your Kroger Family of Companies, one will be assigned to you.

Can I use my significant other's Shopper’s card number to apply for a Kroger Rewards World Elite Mastercard®?

Yes. Plus, you can request to add an authorized signer to your Kroger Rewards World Elite Mastercard® account so your significant other can use the card too.

How can I check the status of my application?

Please call 800-947-1444 and choose option 1 for the status of an application. For your security, you will be required to enter your social security number to locate the application. Additional verification item(s) may be needed to validate.

How long will it take to receive my card?

In most cases, when applying online you will receive the status of your application immediately. If you're approved, your card should arrive in 7-10 business days. Length of time varies depending on individual credit status, address verification and card processing time.

How do I activate my card?

Once you receive your card in the mail, call 888-200-9959 to activate.

Member Benefits

What rewards can I earn with the Kroger Rewards World Elite Mastercard®?

Visit our Kroger Rewards World Elite Mastercard® benefits page to learn more.

What are the other benefits from the Kroger Rewards World Elite Mastercard®?

Visit our Kroger Rewards World Elite Mastercard® benefits page to learn more.

Where do I go to check my Rewards Points totals?

You can view your earned Rewards Points by logging into Online Banking. Learn more about Online Banking.

When will I receive my cash back/Rewards Points?

Rewards Points are earned at time of purchase and will be reflected on your account after the transaction posts. You can view earned Rewards Points in Online Banking. Learn more about Online Banking. Every 1,000 Rewards Points earned, will be worth a $10 reward.

What redemption options are available?

Once you have earned at least 1,000 Rewards Points ($10), you have the option to redeem for a statement credit or Real-Time Rewards. Once you have earned at least 2,500 Rewards Points ($25), you have the option to redeem for a $25 Kroger Family of Companies Gift Card.

Where do I go to select how to redeem my rewards?

Log into your Online Banking Account and click on Rewards tab to access the Rewards Center homepage. From there you will be able to choose how you would like to redeem your rewards. You can also enroll in Real-Time Rewards at this site and, once enrolled, you’ll be able to instantly redeem earned rewards after making qualifying Kroger Family of Store purchases. You will receive a text with the option to redeem if your rewards balance is at least 1,000 Rewards Points ($10) and your Kroger Family of Companies purchase amount is also at least $10. Reply to the text with “Redeem” to use your earned rewards as a statement credit for the purchases.

Do my points expire?

Yes, after 36 months your points do expire.

Can I call in to redeem rewards?

Yes! If you prefer, please call us at the number at the back of the card to redeem your rewards once you have earned at least 1,000 Rewards Points ($10).

Is my cash back/Rewards Points affected when I return merchandise?

Because you earn cash back/Rewards Points for purchases, the cash back/rewards points you earned for a purchase you return will be subtracted from your point total.

Basic Card Facts

Can I only use the Kroger Rewards World Elite Mastercard® for purchases in-store?

No. You can use the Kroger Rewards World Elite Mastercard® anywhere Mastercard is accepted. However, you do earn 2% cash back by shopping at the Kroger Family of Companies.

Can I use the Kroger Rewards World Elite Mastercard® for instant cash at ATMs?

Yes. You can use your Kroger Rewards World Elite Mastercard® with a Personal Identification Number (PIN) for cash advances at ATMs that accept Mastercard. Cash advances do not earn Rewards Points and may incur a fee.

Is the APR competitive?

The APR is competitive for credit cards that offer rewards. Keep in mind that you pay no interest on purchases(view terms and conditions) if you pay your bill in full by the payment due date each month.

Is there an annual fee for the Kroger Rewards World Elite Mastercard®?

No, you save money by paying no annual fee(view terms and conditions).

Can I access my Kroger Rewards World Elite Mastercard® account online?

You can access your Kroger Rewards World Elite Mastercard® account from any Internet-enabled computer. Learn more about Online Banking.

Can my Kroger Rewards World Elite Mastercard® be used instead of my Shopper’s card?

Yes. Your Kroger Rewards World Elite Mastercard® is your Shopper’s card, Mastercard, and rewards card all in one.

Additional Questions

How do I enroll in Online Banking?

Please visit our About Enrolling page to learn more about enrolling your account into Online Banking.

Whom should I call with questions about my Kroger Rewards World Elite Mastercard®?

Contact 24-hour Cardmember Services with any questions about your card.

Get the Most Out of Your Kroger REWARDS Debit Card:

• Know your current bank account balance. Remember any payments that haven’t yet cleared your account.
• Always take your receipts and store them safely in one place in case you need them later.
• Record your transactions and track how much you have spent. Remember that purchases may take a few days to post to your bank account.
• When choosing a PIN, avoid obvious choices such as your address, phone number or birth date.
• Keep your PIN private. Memorize it. Don’t write it down or write it on your card, and never tell it to anyone.
• If your card is lost or stolen, contact Cardmember Services at 1-877-300-7797 and your financial institution immediately. This reduces your liability for fraud losses.

How does the card work?

The Kroger REWARDS Debit Card links your Kroger Shopper’s Card, a checking or savings account and a Personal Identification Number (PIN) in one easy-to-use payment card. Use it to earn points when you pay for everyday purchases in-store at the Kroger Family of Companies and online at Kroger.com, with just one swipe!

How long does it take for my purchase to clear?

An ACH debit transaction, for your total purchase amount, will be submitted to your bank account within 24–48 hours and will clear your bank account within 1–5 business days. Always monitor your bank account to ensure you have enough to cover the transaction in order to avoid overdraft fees.

How do I earn fuel points?

Earn 50% more fuel points* every day with every net $1 you spend at the Kroger Family of Companies and online at Kroger.com. Your fuel points can be tracked on your receipt, in your online account on Kroger.com or using the Kroger mobile app. Bonus fuel points will not be rewarded on the purchase, but instead will be added to your account within 24 hours of your purchase.
*Certain categories will not earn bonus fuel points, including items with bonus fuel point offers and gift cards. Standard loyalty points will still be earned but no additional fuel points for using the Kroger REWARDS Debit Card will be rewarded.

How do I earn 2% cash back on Our Quality Brands?

Earn 2% cash back on Our Quality Brands in the form of a Payment Benefit on your next transaction. Simply make purchases containing Our Quality Brands items using your Kroger REWARDS Debit Card, and you’ll see 2% of the eligible amount spent automatically applied as a Payment Benefit on your next transaction. It can take 24-48 hours for rewards to be calculated, and some exclusions apply.

How do I redeem my fuel rewards?

When you’re ready to redeem your fuel rewards, simply swipe your Kroger REWARDS Debit Card at the pump. You may also be prompted to scan the loyalty number on the back of your Debit Card. Then follow the onscreen prompts to redeem all, some or none of your fuel rewards.

How is the Kroger REWARDS Debit Card different than my regular debit card?

Each Kroger REWARDS Debit Card transaction requires you to enter a PIN for security before it’s authorized. Your Kroger REWARDS Debit Card transaction is safer and more secure than any transaction completed with a card that does not require you to enter a PIN. Plus, you earn rewards every time you use your Kroger REWARDS Debit Card!

What fees and charges will I be assessed if I use my Kroger REWARDS Debit Card?

There is no fee to use the Kroger REWARDS Debit Card. If your transaction is returned as NSF (Non-Sufficient Funds), charges will apply from your bank and from Worldpay.
If you have general questions or need additional information, please contact us at 1-800-KRO-GERS (1-800-576-4377). For assistance with your card or to check on the status of your account, please contact Cardmember Service at 1-877-300-7797.

What is Kroger Pay?

Kroger Pay is a fast, contact-free, safe way to pay and save using your mobile device at participating locations in the Kroger Family of Companies. Kroger Pay generates a one-time use quick response code (“QR Code”) that securely transmits payment and loyalty information from your mobile phone at check out. In addition, your Kroger Pay wallet is linked to your Kroger Co. Family of Stores Rewards program loyalty account, enabling you to automatically accrue loyalty points when making an eligible purchase using Kroger Pay. Simply scan the Kroger Pay QR Code at any time during checkout for a faster, more convenient experience.

Where can I use Kroger Pay?

Kroger Pay is accepted at participating in-store locations* in the Kroger Family of Companies in the United States. Kroger Pay can be used in-store at attendant or self-checkout lanes, in-store Pharmacy checkout and Beer, Wine & Liquor locations (where available). Kroger Pay currently is not available for use in Pharmacy drive-thru lanes. Kroger Pay is not accepted at Kroger Fuel Centers, certain independent merchants within Kroger stores or online and cannot be used at stores outside of the Kroger Family of Companies.

Is Kroger Pay a Contact-Free Checkout experience?

Yes. As part of our ongoing effort to protect and support our associates and customers, Kroger Pay is a secure way to pay for your groceries with no contact necessary. Visit our COVID-19 information page to see the additional steps we’re taking to ensure your safety.

How do I set up Kroger Pay?

To set up Kroger Pay, first you will need to have a digital account with one of the Kroger Family of Companies (“Account”) and download a Kroger Co. Family of Stores App (“App”) on a Kroger Pay-compatible mobile device. You can download the App from the App Store (iOS) or Google Play Store (Android).

• Once you’ve downloaded the App, if Kroger Pay is available in your location, there are a number of ways you can access it:
• Voice (Siri for iOS devices and Google Assistant for Android)
• App Shortcut Menu
• Kroger Pay “Quicklink” on the top left of the app Home Screen
• Kroger Pay button in Store Mode
• Kroger Pay button in your Wallet
• App More Menu
• Tap Kroger Pay and log into your existing Account.You will also be prompted to verify your phone number with two-factor authentication if you have not done so previously. You will be prompted to create a four-digit PIN. You also have the option to use biometrics (such as facial recognition or fingerprint) to secure your Kroger Pay wallet.
• Ensure your “Shopping at” location is selected to your preferred store, which can be found on the home page within the App.

Any payment cards you have saved to your digital wallet are available to use within Kroger Pay. After you’ve entered your four-digit PIN or scanned your biometrics, you will see your default card at the bottom of the screen. Clicking on it will show all cards saved in your digital wallet. You can set a default payment method and change your payment method at any time. You can load additional eligible payment cards for use in Kroger Pay into your digital wallet via the App or by logging into your Account online.

How does Kroger Pay work?

Once you have set up Kroger Pay on your mobile device, you can leave your wallet at home! Once you’re ready to check out, simply:

• Go to any in-store checkout lane in a participating store
• Access Kroger Pay via one of the methods listed below.
• Voice (Siri for iOS devices and Google Assistant for Android)
• App Shortcut Menu
• Kroger Pay “Quicklink” on the top left of the app Home Screen
• Kroger Pay button in your Wallet. Or, if you have location services enabled on your mobile device, tap Kroger Pay when your app is in store mode.
• Enter your four-digit PIN or scan your biometrics
• At checkout, scan the QR Code displayed on your device on the item scanner or present it to the cashier
• Scan your items as usual
• Before payment is finalized, you will have a chance to review your order along with any physical or digital coupons loaded to your Shopper’s Card. At selfcheckout, you’ll need to press “Mobile” on the final display screen to complete your transaction.

While you can scan your QR code at any point in the transaction, the BEST experience with Kroger Pay is scanning your code to start the transaction, just as you would with your Shopper’s Card (loyalty information).

With only one scan of the QR Code your Kroger loyalty information is securely provided to enable you to accrue eligible loyalty points and a secure token delivers your selected payment information. Fast, easy, and convenient!

How is my payment information secured?

Kroger Pay accesses the payment methods you already have loaded to your Account. Security is important, so we will ask for the CVV for any credit cards added. Kroger Pay does not store your card information on your device, and your untokenized card information is not shared with the store during checkout. What this means is that Kroger will securely store your payment information, and instead of sharing your actual card information at the time of payment, will instead share a single-use token that represents your card. This keeps your sensitive information protected! As an added layer of security, you will need to authenticate with biometrics or a PIN before a QR Code can be generated.

What mobile devices are compatible with Kroger Pay?

Kroger Pay is available through the App. To use the App, you must have a mobile device that is compatible with the mobile service. To view minimum compatibility requirements for the App, you can view the App Store (Apple) or the Google Play Store (Android). In addition, Kroger Pay transmits payment and loyalty information by generating a QR code to scan, so an intact screen capable of adequately displaying the QR code is required.

What payment methods can I load to Kroger Pay?

You can add a Kroger Rewards Debit Card and any credit card, debit card or prepaid card that participates in one of the payment networks we identify from time to time. At this time, Kroger Pay does not accept non-reloadable Kroger-branded gift cards that are accepted only at the Kroger Family of Companies, but we are working to add more features every day!

Will I earn loyalty points or accrue loyalty benefits when I use Kroger Pay?

You will accrue loyalty points and benefits to your Account when you use Kroger Pay to make a purchase in accordance with the applicable Kroger Co. Family of Stores Rewards program. In addition, when the payment method you select to make a Kroger Pay purchase is the Kroger Rewards Debit Card or a credit card that bears the mark of one of the Kroger Family of Companies you may earn additional loyalty benefits as determined by Kroger from time to time.

What extra loyalty benefits will I earn when I use Kroger Pay to make a purchase?

You may earn loyalty points and benefits in addition to the standard loyalty points and benefits offered under the applicable Kroger Co. Family of Stores Rewards program when you use Kroger Pay. We may offer special promotions or benefits from time to time for using Kroger Pay. In addition, we may offer additional loyalty points or benefits from time to time when you use the Kroger Rewards Debit Card or a credit card that bears the mark of one of the Kroger Family of Companies (each, a “Kroger Card”) to make a Kroger Pay purchase. Unless changed in accordance with the Website and App Terms and Conditions (available here*) until August 31, 2021, in addition to the standard loyalty points and benefits you will earn under the applicable Kroger Co. Family of Stores Rewards program, when you use a Kroger Card to make a purchase using Kroger Pay:

• You will earn 1.5 fuel points that can be used toward discounted purchases of fuel at Kroger Fuel Centers for each $1 of eligible net purchases. Your fuel points can be tracked on your receipt, in your Account on Kroger.com or in the App.
• You will earn a discount equal to 2% of the aggregate cost of Our Quality Brand Products (excluding weighed items). This discount may be automatically applied to (and may be aggregated with other discounts applied to) a future purchase when you use Kroger Pay.

Please see specific Kroger Pay promotions and the Kroger Website and App Terms and Conditions for additional limitations and details regarding these offers.

How do I redeem my fuel rewards?

When you’re ready to redeem your fuel rewards, simply scan your loyalty card or enter your alternate ID at the pump. Then follow the onscreen prompts to redeem all, some or none of your fuel rewards.

For more information on Fuel Rewards, click here*.

I selected the wrong card; can I have the charge moved to a different card?

If the payment card used to make a Kroger Pay purchase was different than the payment card you intended to use, please visit the customer service desk in the store. An employee will be able to refund your purchase to the original card and process the transaction using your preferred method of payment.

Will I be charged fees for using Kroger Pay?

Neither Kroger nor its affiliates will assess any fees or charges for your use of Kroger Pay. However, your mobile carrier may assess message or data fees or charges when you use Kroger Pay and the terms of your agreement with the issuer of any payment cards you load to your Kroger Pay wallet, including any fees, will govern their use in Kroger Pay. You are responsible for paying the fees or charges assessed by your mobile carrier or the issuer of the payment card you load to your Kroger Pay wallet.

Can I divide the payment of a single purchase between multiple payment methods when using Kroger Pay?

Yes. Kroger Pay will support split tender transactions to the extent otherwise permitted at the point of sale at the Kroger Family of Companies.

What should I do if I lose my mobile device to which I have loaded the App?

To prevent unauthorized transactions from your Kroger Pay wallet, you should immediately delete the payment card information stored in your Kroger Pay wallet and your Kroger Pay account. You may set up a new digital account and Kroger Pay Wallet.

Can I use a card in Kroger Pay to receive cash back?

Currently, cash back on the cards you have saved in your Kroger Digital Wallet is not supported through Kroger Pay.

*Note: These FAQs apply broadly to Kroger Pay, made available through the mobile applications of the Kroger Co., and its subsidiaries and affiliates (collectively, “Kroger”). The links direct to information housed on the Kroger.com website that is shared across and apply to the Kroger Co. Family of Stores.