Kroger Rewards World Elite Mastercard

The Kroger Rewards World Elite Mastercard is no longer accepting applications, so this take is mainly for current cardholders deciding whether to keep it. Its headline 5% back applies only to purchases paid through a mobile wallet or Kroger Pay, and only on the first $3,000 a year before dropping to 1%. The grocery rate is 2%, and only inside Kroger Family of Companies stores such as Kroger, Ralphs, King Soopers and Fred Meyer, with fuel centers excluded, while everything else earns a flat 1%. With no annual fee, there is little reason to close it if you shop those banners often, and the extra fuel discount and complimentary Boost Essential membership with free delivery on qualifying orders are useful extras. If you are shopping for a new grocery card, look at the Blue Cash Preferred for 6% at U.S. supermarkets on up to $6,000 a year, or the no-fee Blue Cash Everyday at 3%.