Fees and rates
Annual Percentage Rate (APR)
Kroger REWARDS World Mastercard®Credit Card Reward Program
1 point anywhere Mastercard is accepted.
2 points in the Kroger® Family of Companies (excluding fuel centers).
3 points on the Kroger family of quality brands.
The Kroger Co. Family of Stores includes:
Baker’s City Market Dillons Food 4 Less Foods Co Fred Meyer Fry’s Gerbes Harris Teeter King Soopers Jay C Food Store Kroger Owens Market Pay-Less Super Markets QFC Ralphs Smith’s Food and Drug
Kroger Family of Companies Own Brand Products
HemisFares™ Big K® Fresh Selections by Kroger® Comforts for Baby® Home Sense® Kroger Products Pet Pride® Private Selection™ Quality Guarantee Simple Truth® Value Brand Products Abound™ Luvsome™
*The list of Family of Stores and Companies is collected on 11/08/2018
Rewards Points are automatically redeemed for rewards certificates (“Rewards Certificates”) which are redeemable for purchases or merchandise at the Kroger Family of Companies.
You can get Free Shipping at some online stores. When you get it, if you don’t like it, you can return it for free as well.
If you don’t want to have a separate fuel rewards credit card, you can link this credit card to your Fuel Rewards Network account and get additional rewards.
No Overlimit Fee
No Over-the-Limit Fee. You won’t pay an over-the-limit fee if your credit card balance goes over your credit limit.
Let’s say your credit card limit is $5,000. One month, you spend more than your limit on the card. Some credit card companies will charge you between $25 and $35 for this mistake. If your card advertises no overlimit fee, you won’t be charged a penalty for your spending.
No Penalty APR
This credit card comes with a No Penalty APR. You won’t default to a higher APR if your payment arrives on or after day 60.
Overdraft Protection. Are you worried that you may spend more than your limit on your credit card? If you sign up for overdraft protection, you’ll be fine. All you have to do is link your credit card to your checking account. The excess amount will be drawn from there, and your transaction will be approved.
Extended Warranty Insurance
Extended Warranty Insurance. This credit card extends the original manufacturer’s warranty of an item. You get the benefits of an extended warranty without purchasing the store’s expensive extended warranty.
Imagine that thing you bought at full price goes on sale the next week. With this credit card’s Price Protection benefit you can get back the difference between the sales price and what you paid. You can only claim this benefit for the exact item: same model; same manufacturer; same everything.
Let’s say you bought a round-trip ticket to Orlando for $750, but two weeks later, the airline has a sale. Everything is the same, except it now costs $500. If you had a price protection guarantee on your credit card, your credit card company would refund you $250. Contact your credit card company to find out specifics on how to get the money back.
Rental Car Insurance
Rental Car Insurance. This credit card covers any damage from collision or theft on most rental vehicles, up to the value of the car.
Emergency Cash Advance
Emergency Cash Advance. If your credit card is lost, damaged or stolen, you can ask the credit card company for some emergency cash. They will authorize the payment, which you can collect from a designated financial institution.
Emergency Card Replacement
Emergency Card Replacement. Whether your card is lost, stolen or damaged, the credit card company can provide help as soon as next day. It doesn’t matter if you’re still on vacation, the credit card company will mail a replacement to you wherever you are. This will be done free of charge.
The credit card company’s Fraud Protection keeps your account safe from unauthorized charges. In fact, once the charges are proven fraudulent, you will be guaranteed a refund. All you have to do is check your statement. If you find something wrong, contact the credit card company and file a claim.
Identity Theft Protection
Identity Theft Protection. This monitors the internet to see if your personal information is being bought, sold or traded online. This covers your credit card information, driver’s license, social security number, or other sensitive or personally identifiable information.
Zero Liability. If you didn’t buy it, don’t pay for it. You will not be held responsible for any unauthorized charges that appear on your account.
Complimentary Travel Planning
Complimentary Trip Planning. You know you need a vacation, but you’re not sure where to start. Perhaps you know the” where”, the “who”, the “when”, but not the “what else”. The credit card company has the right people to help you plan the rest of your vacation, any day, any time.
Cruise Privileges. Save yourself some money and book that cruise with this credit card. Thanks to the complimentary amenities that the card offers on a number of world-class cruise lines, you’ll save money. Remember the medical insurance, the trip cancellation insurance, and the trip interruption insurance benefits on the credit card? They will be quite handy if you can’t make your trip, or if something goes wrong while on your cruise.
Hotel Stay Guarantee
Hotel Stay Guarantee. You decided to splurge and stay at a hotel that has 3 stars or higher, but there’s a problem. You can have the credit card company argue for you. They will work directly with the hotel to resolve the issue.
No Foreign Fees
No Foreign Fees. With this credit card, you won’t pay any fees on any transactions you make while traveling overseas.
Credit Score Needed For Kroger REWARDS World Mastercard®
Your best chance of being approved for this credit card involves having a credit score 651 - 750. Having your credit score in this range does not guarantee approval. There are still other factors besides credit score that determine if you will qualify for this card.
Similar Rewards Credit Cards
Annual Fee: $0
Purchase APR: 15.49% - 24.49%
Main Reward: Rewards PointsLearn more
Annual Fee: $49
Purchase APR: 17.49% - 24.49%
Main Reward: Rewards PointsLearn more