Kroger Rewards World Elite Mastercard
No annual fee, earning Cash, on the Mastercard network.
Card terms last verified against issuer pages on 2026-09-20.
The Kroger Rewards World Elite Mastercard is a no annual fee card from U.S. Bank earning Cash. It earns 2x on kroger and 5x on everything else. We have no recurring statement credits on file for this card.
Welcome bonus
Welcome offers change frequently and are often targeted. Confirm the current offer on the issuer's own application page before applying.
What it earns
Rates are the multipliers U.S. Bank advertises. We do not convert them into a percentage return, because that requires putting a price on Cash and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Mobile Wallet | 5x | Everything else |
| Kroger Pay | 5x | Everything else |
| Kroger | 2x | |
| Other | 1x | Everything else |
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| Free Boost Essential MembershipNew cardmembers receive a free Boost Essential membership (valued at $69/year) upon enrollment. Boost membership provides fuel points discounts and free delivery benefits at Kroger Family of Companies stores. First year only for new cardmembers. | Once a year | ~$69 |
| Lowest Hotel Rate GuaranteeMastercard Lowest Hotel Rate Guarantee refunds rate differences on qualifying prepaid hotel bookings made through Mastercard Travel & Lifestyle Services. Access to 24/7 Lifestyle Manager for travel planning assistance. | Once a year | — |
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Mastercard ID Theft Protection — Mastercard ID Theft Protection provides dark web monitoring, compromised credential alerts, and identity theft resolution services. Requires enrollment at mastercardus.idprotectiononline.com. Available to all World Elite Mastercard holders.
Questions people ask about the Kroger Rewards World Elite Mastercard
What is the annual fee on the Kroger Rewards World Elite Mastercard?
The Kroger Rewards World Elite Mastercard has no annual fee.
What does the Kroger Rewards World Elite Mastercard earn?
5x on mobile wallet, 5x on kroger pay, 2x on kroger, 1x on other, and 5x on everything else, in Cash.
Does the Kroger Rewards World Elite Mastercard charge foreign transaction fees?
No — the Kroger Rewards World Elite Mastercard has no foreign transaction fee.
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