Kroger Rewards
Kroger Rewards is a closed-loop cash back program tied to the Kroger Rewards World Elite Mastercard® issued by U.S. Bank. Cardholders earn 5% back on Kroger Pay and mobile wallet purchases (up to $3,000/year), 2% at Kroger family stores, and 1% everywhere else. Rewards accumulate as points (100 points = $1) and can be redeemed for statement credits or Kroger gift cards. Note: U.S. Bank ended new card applications in 2026.
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Understand how Kroger Rewards fits your rewards plan.
Use the program facts below to decide whether to earn, transfer, or simply keep this program on your shortlist.
Redeem as a statement credit with a minimum of 1,000 points ($10 value), or as Kroger Family of Companies gift cards starting at 2,500 points ($25). Rewards can also be applied in real-time for eligible in-store purchases of $10 or more.
Maximize earnings by paying with Kroger Pay (5% back, up to $3,000/year). Mobile wallets like Apple Pay and Google Wallet also earn 5% up to the $3,000 cap. All other Kroger store purchases earn 2% back. Note that Kroger Fuel Center purchases do not earn Rewards Points.