Bob Haegele is a freelance writer specializing in topics such as insurance, investing, and credit cards. His work has appeared on Business Insider, CreditCards.com, and other nationally recognized outlets. Follow him on Twitter @thefellowfrugal.
Bob Haegele ContributorBob Haegele is a freelance writer specializing in topics such as insurance, investing, and credit cards. His work has appeared on Business Insider, CreditCards.com, and other nationally recognized outlets. Follow him on Twitter @thefellowfrugal.
Written By Bob Haegele ContributorBob Haegele is a freelance writer specializing in topics such as insurance, investing, and credit cards. His work has appeared on Business Insider, CreditCards.com, and other nationally recognized outlets. Follow him on Twitter @thefellowfrugal.
Bob Haegele ContributorBob Haegele is a freelance writer specializing in topics such as insurance, investing, and credit cards. His work has appeared on Business Insider, CreditCards.com, and other nationally recognized outlets. Follow him on Twitter @thefellowfrugal.
Contributor Dylan Pearl Credit Cards EditorOver a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mis.
Dylan Pearl Credit Cards EditorOver a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mis.
Dylan Pearl Credit Cards EditorOver a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mis.
Dylan Pearl Credit Cards EditorOver a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mis.
| Credit Cards Editor
Updated: Jun 20, 2024, 3:26pm
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Groceries are an essential expense regardless of economic conditions. And if you do most of your grocery shopping at a Kroger store, adding the Kroger Rewards World Elite Mastercard® * to your wallet will ensure you earn rewards on those purchases.
This reasoning makes sense, at least on paper. However, to determine whether this credit card is the right fit, we must dig into its features and limitations. For instance, it has an annual fee of $0 and offers cash back, but its rewards rates can be underwhelming. Nevertheless, some of its perks, such as fuel discounts, could make the card worthwhile for some customers.
Partner Offer Apply Now →
On American Express's Website Rates & Fees / Terms Apply Welcome Bonus Annual Fee $0 intro annual fee for the first year, then $95 Credit Score Excellent/Good Regular APR 18.74%-29.74% VariableCredit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Chase Freedom Unlimited® On Chase Bank USA, NA's Website Welcome Bonus Up to $300 cash back Annual Fee Credit Score Excellent, Good Regular APR 20.49% - 29.24% VariableCredit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
Wells Fargo Active Cash® Card On Wells Fargo's Website Welcome Bonus $200 Cash Rewards Annual Fee Credit Score Excellent, Good Regular APR 19.74%, 24.74%, or 29.74% Variable APRCredit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 monthsThe Kroger Rewards World Elite Mastercard® * has several benefits for cardholders. These include no annual fee, fuel discounts and a rewards program.
While the Kroger credit card won’t be right for everyone, it can generate solid rewards for the right customer. That customer shops frequently at Kroger stores and usually pays with a mobile wallet like Google Pay or Apple Pay, as that is the only way to earn the 5% cash-back rate. You can still earn cash back at Kroger stores without a mobile wallet, but you’ll earn at a much lower rate of 2%.
The other ideal customer for this card is someone who frequently fills their tank at Kroger stores. For the first year, you can earn an additional 25 cents off per gallon of fuel each time you redeem at least 100 fuel points at Kroger fuel centers.
Note that after the first year, you must spend at least $6,000 on the card to earn the gas discount. You can still get a discount if you don’t meet that threshold, but it will be a much lower 5 cents off. Kroger Fuel Points are redeemable in 100-point increments on up to 35 gallons of gas per purchase.
There are a few strong alternatives to the Kroger Rewards World Elite Mastercard® * . These are worth considering if you don’t pay with a mobile wallet or can’t meet the $6,000 spending requirement for the Fuel Points discount.
The Kroger Rewards World Elite Mastercard® * has some interesting benefits, but for all but the most loyal Kroger customers, other cards will net better rewards. The 5% rewards rate is limited to $3,000 worth of purchases. In addition, after the first year, you must spend at least $6,000 on the card to qualify for 25 cents off on gas. These limitations make the Kroger Rewards World Elite Mastercard® * a poor choice for most consumers. Consider alternatives to maximize your rewards on not just groceries, but all spending.
To view rates and fees for Blue Cash Preferred® Card from American Express please visit this page.
*The information for the following card(s) has been collected independently by Forbes Advisor: Kroger Rewards World Elite Mastercard® . The card details on this page have not been reviewed or provided by the card issuer.
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ContributorBob Haegele is a freelance writer specializing in topics such as insurance, investing, and credit cards. His work has appeared on Business Insider, CreditCards.com, and other nationally recognized outlets. Follow him on Twitter @thefellowfrugal.
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