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 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. Purchases made at Kroger Family of Companies Fuel Centers do not earn Rewards Points. 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 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.}

^{2 Offer applies to new cardmembers only. Subject to credit approval. Discount is available at Kroger Family of Companies Fuel Centers each time you redeem at least 100 existing fuel points earned in a single month. You must scan, redeem fuel points and pay with your Kroger Family of Companies Rewards World Elite Mastercard® in order to receive the fuel discount The first-year additional 55¢ discount offer expires one year from the cardmember’s approval date and does not require a spend minimum. However, if your posted spend is at least $6,000 on net eligible purchases during the first 12 months that your Account is open, once the additional 55¢ discount has expired, you will receive a 25¢ discount for the remainder of that calendar year and for the entirety of the next calendar year, ending the following January 31. The date that a transaction is made may not be the same date that it posts to your Account. After that, eligibility is determined on a calendar year basis. If your spend equals at least $6,000 on net eligible purchases in a calendar year, you get the 25¢ discount for the remainder of that calendar year (starting the month after you met the minimum spend requirement) and for the entirety of the next calendar year, ending the following January 31. If the additional 25¢ (or introductory 55¢) discount has expired and you have not met the minimum posted spend requirement in the prior or current year, you will instead receive an additional 5¢ fuel discount at Kroger Family of Companies Fuel Centers when you scan, redeem fuel points and pay with your Kroger Family of Companies Rewards World Elite Mastercard®. Not valid with any other fuel offer. Accumulation excludes taxes, office services, alcohol, tobacco, fuel, prescriptions and any purchases prohibited by law. Fuel discount effective for a limited time at participating fuel center locations. Not valid in MO or where prohibited by law. Purchases made at Kroger Family of Companies Fuel Centers do not earn Rewards Points or fuel points. Please see store for fuel discounts details and in-store spending requirements. Selling or purchasing fuel points is prohibited. Fuel redemption offer cannot be combined with any other discounts. No discounts to dealers, wholesalers, or fleet programs. No cash back. Not valid where prohibited by law. We may suspend or remove you from the fuel program due to violation of these terms or because of fraudulent activity or suspected fraudulent activity.}

^{3 The APR may vary, the variable APR for purchases and Balance Transfers is 18.99%-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 Rewards Debit Card}

^{4 You will earn points toward discounted fuel purchases when you use your Kroger Rewards Debit Card to make eligible purchases. Fuel discounts are available at Kroger Family of Companies Fuel Centers each time you redeem at least 100 existing and unexpired Rewards Points. You will earn Rewards Points on eligible net purchases (eligible purchases [exclusive of taxes] minus returns and credits). When you use your Kroger Rewards Debit Card to make an eligible purchase, you will earn one (1) Rewards Points for each one dollar ($1) of eligible net purchases you make as a Kroger Rewards Program participant and an additional point five (0.5) points for each one dollar ($1) of eligible net purchases because you used your Kroger Rewards Debit Card to make the purchase. Rewards Points may take up to 48 hours after your purchase to be credited to your account. Rewards Points earned in any month will expire at the end of the next month and do not accumulate across months. Rewards Points are not redeemable for discounted fuel purchases where prohibited by law, including Louisiana and Missouri. This offer is subject to change as described in the Kroger Rewards Debit Card Terms and Conditions. See your Kroger Rewards Debit Card Terms and Conditions for more details.}

^{5 You will earn a discount in an amount equal to 2% of the aggregate cost (exclusive of tax) of Our Quality Brand Products you purchase, when you use your Kroger Rewards Debit Card to make the purchase. This discount will automatically be applied to and deducted from your next purchase made using your Kroger Rewards Debit Card. Discounts may take up to 48 hours to be credited to your account. Visit www.kroger.com/b/ourbrands for a complete list of Kroger Our Quality Brands. This offer is subject to change as described in the Kroger Rewards Debit Card Terms and Conditions. See your Kroger Rewards Debit Card Terms and Conditions for more details.
©2023 The Kroger Co.}

^{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.}