The Kroger World Elite Mastercard® is a co-branded credit card issued by U.S. Bank National Association.
The card give cash back, fuel-point perks, and a rewards system that can be redeemed as statement credits or Kroger gift cards.
This guide explains how the World Elite Mastercard Kroger program works, what you can earn, how to apply, and where to call.
What the card offers for grocery savings
Kroger presents the card as a way to earn cash back on eligible purchases and stack benefits inside its ecosystem.
The benefits page highlights three main earning tiers and adds a separate rule for mobile wallet and Kroger Pay transactions.
Cash back earning categories
It gives up to 5% cash back on mobile wallet and Kroger Pay transactions, 2% inside Kroger family stores, and 1% outside.
Kroger Pay (non-fuel) transactions earn 5% cash back on the first $3,000 each calendar year, then 2% on amounts above that.
Cardholders can earn 2x Fuel Points and a free Boost Essential membership offer (framed as a free Next-Day Delivery Boost Essential Membership).
How rewards and redemption work
Eevery 1,000 Rewards Points is worth a $10 reward.
Once you have at least 1,000 points ($10), you can redeem for a statement credit or use Real-Time Rewards.
Once you have at least 2,500 points ($25), you can redeem for a $25 Kroger Family of Companies Gift Card (as described in the disclosures).
Rewards generally expire after 36 months, according to the disclosures.
Interest rates, fees, and what “no annual fee” actually means
Kroger discloses key pricing terms on its benefits page, including APR ranges and several common fees.
- Purchase and Balance Transfer APR: 17.49% to 30.49% (variable), based on creditworthiness.
- Cash Advance APR: 30.49% (variable).
- Annual fee: $0
- Foreign transaction fee: $0
- Balance transfer fee: 4% of each transfer amount (minimum $10)
- Cash advance fee: 5% of each advance amount (minimum $10)
These numbers can change over time, and the issuer notes it may change APRs and other terms under the cardmember agreement and applicable law.
Kroger World Elite Mastercard Application
If you are eligible to apply for a credit card, Kroger offers both online and phone application paths.
- Confirm you can legally apply. In the U.S., federal rules place extra requirements on applicants under 21 (including demonstrating an independent ability to pay or having a qualified co-signer arrangement, depending on issuer practices).
- Prepare basic personal and financial details. Most credit card applications commonly require identity and income information; Kroger also notes you can be assigned a shopper’s card number if you don’t already have one.
- Submit the application (online or by phone). Use Kroger website or the phone application number as 1-888-219-1822.
- Check your status if needed. Kroger says you can call 800-947-1444 and choose option 1 to check application status.
- Watch for delivery and then activate. Kroger says approved cards typically arrive in 7–10 business days, and activation is available at 888-200-9959.
Customer service phone numbers and mailing addresses
For existing cardholders, Kroger’s card site lists the following contact channels.
Phone (24-hour cardmember service)
844-237-0593 (24-hour service; also used for lost or stolen cards)
Outside the U.S.: 701-461-1593 (collect)
Where to send payments
U.S. Bank National Association
Cardmember Service
P.O. Box 790408
St. Louis, MO 63179-0408
Billing inquiries address
U.S. Bank National Association
Cardmember Service
P.O. Box 6349
Fargo, ND 58125-6349
A quick way to evaluate the benefits for grocery-focused shoppers
When people search Kroger World elite Mastercard benefits, they are often looking for two specific value drivers.
The 5% tier exists, but it is capped at $3,000 per calendar year for the higher earn rate.
It then drops to a lower rate depending on whether it’s Kroger Pay or another mobile wallet.
Kroger highlights fuel-point and Boost-related offers that may matter if you already use Kroger pickup/delivery and fuel discounts.
Kroger-family World Elite Mastercards
Here’s how the Kroger World Elite Mastercard compares to other Kroger-family World Elite Mastercards.
| Card (store brand) | Rewards highlights (cash back) | Intro offer shown on card site | Key “difference” vs the main Kroger card |
|---|---|---|---|
| Kroger Rewards World Elite Mastercard | Up to 5% on mobile wallet + Kroger Pay (with the program’s annual caps/tiers), 2% inside Kroger-family stores, 1% elsewhere | $100 statement credit after $500 spent in the first 90 days (as shown on the benefits page) | Baseline Kroger version (often the “reference” offer). |
| King Soopers Rewards World Elite Mastercard | Same structure: 5% mobile wallet + Kroger Pay (with annual caps/tiers), 2% in-store, 1% elsewhere | $100 statement credit after $500 spent in 90 days | Essentially the Kroger offer under the King Soopers banner. |
| Fred Meyer Rewards World Elite Mastercard | Same structure: 5% mobile wallet + Kroger Pay (with annual caps/tiers), 2% in-store, 1% elsewhere | $100 statement credit after $500 spent in 90 days | Mostly the same as Kroger; offered under the Fred Meyer banner. |
| Ralphs Rewards World Elite Mastercard | 5% mobile wallet + Kroger Pay (with annual caps/tiers), 2% in-store, 1% elsewhere PLUS: 3% on dining and fuel for the first $6,000, then 1% | $100 statement credit after $500 spent in 90 days | Adds a clear 3% dining + fuel category (with a $6,000 annual cap for that tier). |
| Harris Teeter Rewards World Elite Mastercard | 5% mobile wallet + Mobile Pay in the Harris Teeter app (with annual caps/tiers), 2% in-store, 1% elsewhere PLUS: 3% on dining and fuel for the first $6,000, then 1% | $100 statement credit after $500 spent in 90 days | Similar to Ralphs on categories, but references Harris Teeter app Mobile Pay and includes HT Plus membership language instead of Boost. |
Conclusion
The Kroger world elite card is designed for shoppers who use Kroger and want a single card that can earn cash back.
Before you apply, confirm you qualify to open a credit account and compare how the capped 5% earning tier fits your grocery and mobile-wallet.
Disclaimer: This article is for general information only and is not financial, legal, or credit advice. Card terms, rewards, APRs, fees, and promotional offers can change, and approval depends on the issuer’s review of your application. For the most accurate, current terms and instructions, use Kroger’s official credit card pages or contact U.S. Bank using the phone numbers and mailing addresses listed above.
