Pick 'n Save/Metro Market REWARDS World Mastercard®

This card is built for Pick 'n Save and Metro Market shoppers who also use mobile wallets often enough to make the 5% category count. It works best as a no-annual-fee specialist card for Apple Pay and Google Pay purchases, not as a primary rewards card for all spending.

Annual Fee

Rec. Credit Score

Excellent

Good For

Mobile wallet grocery shoppers

How to Apply Estimate your value

All information about Pick 'n Save/Metro Market REWARDS World Mastercard® has been collected independently by MaxRewards. Pick 'n Save/Metro Market 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 Pick 'n Save/Metro Market REWARDS World Mastercard® worth it?

This card is great for...

Apple Pay purchases

Google Pay purchases

Pick 'n Save shopping

Yes, if you regularly shop at Pick 'n Save or Metro Market and can route a good amount of everyday spending through Apple Pay or Google Pay. The headline feature here is 5% back on mobile wallet purchases, though only on up to $3,000 in spending, which caps the upside. For a no-annual-fee card, that can still be quite useful for in-store purchases, quick errands, and other taps where mobile wallet is accepted.

It is a weaker fit if you want one card to cover everything. Outside of mobile wallet purchases and the card's own grocery brand, rewards drop to a standard 1%, and there are no meaningful added perks to help separate it from other no-fee cards. This card makes the most sense as a focused add-on for loyal store shoppers, not as the center of a broader rewards setup.

MaxRewards Verdict

A solid fit for Pick 'n Save or Metro Market customers who pay with Apple Pay or Google Pay often. If you want stronger everyday rewards beyond that niche, most readers should pair it with another card or choose a more rounded option.

Earning

Rewards

Rewards are straightforward: Kroger Rewards points are worth about 1 cent each, so the earning rates translate cleanly into cash-back-style value. The key question is how much of your spending you can actually put through mobile wallet before the cap kicks in.

CategoryRate

Apple Pay

Up to $3,000 spend per year

Google Pay

Up to $3,000 spend per year

Pick n Save

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