Kroger REWARDS World Mastercard®

This card is built for Kroger shoppers who also use a mobile wallet regularly. It works best as a no-annual-fee specialist card for Apple Pay and Google Pay purchases, not as a primary card for all spending.

Annual Fee

Rec. Credit Score

Excellent

Good For

Mobile wallet spenders

How to Apply Estimate your value

All information about Kroger REWARDS World Mastercard® has been collected independently by MaxRewards. Kroger REWARDS World Mastercard® is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Kroger REWARDS World Mastercard® worth it?

This card is great for...

Apple Pay purchases

Google Pay purchases

Kroger grocery runs

Yes, if you already pay with Apple Pay or Google Pay often and want an easy way to earn 5% back on up to $3,000 in mobile wallet spending each year. That cap is modest, but for lighter everyday use like quick errands, takeout, transit, and small in-store purchases, it can deliver strong value with no annual fee. The 2% back at Kroger also gives regular Kroger shoppers a little extra reason to keep it in the mix.

It is less compelling as your main credit card. Once you move past the mobile wallet bonus cap, the card drops to 1% back on general spending, and there are no listed travel or lifestyle perks to widen its appeal. For most readers, this is a useful side card with a clear job rather than the only card they should carry.

MaxRewards Verdict

A strong fit for Kroger customers and anyone who frequently pays through Apple Pay or Google Pay. Its value is straightforward, but the low cap on 5% earnings and the basic 1% base rate keep it in specialist-card territory.

Earning

Rewards

The rewards setup here is simple: the real draw is 5% back on eligible mobile wallet purchases, with a separate bump for Kroger spending and a standard 1% back elsewhere. Think of it as a card for targeted everyday transactions rather than broad category coverage.

CategoryRate

Apple Pay

Up to $3,000 spend per year

Google Pay

Up to $3,000 spend per year

Kroger

Everywhere

Rewards percent based on a valuation of 1¢ per Kroger Rewards point

Eligibility

Recommended Minimum Credit

Min: Excellent

Poor

Fair

Good

Excellent

Excellent credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing