The Kroger Family of Companies Rewards Elite Mastercard^® is the card that pays you to shop! Earn up to 5% cash back on purchases and redeem your rewards your way, when you want. And for a limited time, earn a $100 statement credit after you spend $500 in the first 90 days of receiving your card.¹

Speed through checkout with Kroger Pay, the safe and contact-free⁶ way to pay from your mobile phone and use coupons all in one scan. Maximize your rewards when you link your Rewards credit or debit card to Kroger Pay and unlock even more fuel and grocery rewards when you shop.⁷ Download our mobile app to access Kroger Pay today!

^{Kroger Family of Companies Rewards® World Elite Mastercard®}

^{1 Offer applies to new cardmembers only. For a limited time only. Subject to credit approval. Must submit application, be approved for the Kroger Family of Companies Rewards World Elite Mastercard® and spend $500 in net purchases within 90 days of Account opening to automatically earn the $100 cash back. Net purchases are purchases minus credits and returns. The $100 cash back will be applied as a statement credit on your Account. Please allow 6-8 weeks after the promotion period for your $100 statement credit to be credited to your Account. Your Account must be open and in good standing to receive this bonus. Upon approval, please refer to your Cardmember Agreement for additional information.}

^{2 Subject to credit approval. Cash Back rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible for Cash Back rewards such as Advances, Balance Transfers, and Convenience Checks. You may not redeem rewards, and you will immediately lose all of your rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Rewards expire after 36 months. Rewards are only available for redemption if your Account is open and in good standing. Earn 3% cash back up to $6,000 per calendar year for all transactions a merchant classifies as Restaurants, Bars, Fast-Food, and Fuel Stations, including Kroger Family of Companies Fuel Centers. U.S. Bank cannot control how merchants choose to classify their business or transactions and reserves the right to determine which purchases will qualify. Earn 5% cash back on mobile wallet transactions (excluding Kroger Pay) up to $3,000 per calendar year. After your annual spend is met, you will receive 1% cash back on eligible dining, fuel and mobile wallet purchases through the remainder of the calendar year. “Mobile wallet” is defined as the method of paying for a transaction by use of a mobile device (in a store, in-app or online) and includes Apple Pay®, Samsung Pay, Google Pay™, Garmin Pay™ and LG Pay®. If the transaction is an eligible mobile wallet transaction and an eligible cash back rewards category transaction, additional cash back rewards will only be awarded for the mobile wallet transaction types. Rewards can be redeemed via Real-Time Rewards after making an eligible purchase of $10 or more at Kroger Family of Companies or via statement credit once you have earned a minimum of 1,000 Rewards Points (worth $10). Rewards can be redeemed via Kroger Family of Companies Gift Cards when you have earned a minimum of 2,500 Rewards Points (worth $25). Upon approval, see your Cardmember Agreement for details}

^{3 The APR may vary, the variable APR for purchases and Balance Transfers is 19.24% -29.99% (based on your creditworthiness). The variable APR for Cash Advances is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 4% of each check amount, $10 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 4% of each transfer amount, $10 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: $0.}

^{The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.}

^{©2023 U.S. Bank}

^{Kroger Pay}

^{6 Restrictions apply, “contact-free” applies to transactions through staffed registers only.}

^{7 When you use Kroger Pay with a Kroger Payments card.}

^{For more information, please review our Privacy Policy, Terms and Conditions, and Frequently Asked Questions.}