Best Credit Cards for Kroger Pay in 2026

Cards ranked by effective value per dollar spent at Kroger Pay.

Top Pick

Kroger Rewards World Elite Mastercard

Usbank

5% cash back on Grocery Stores

+Official cobrand card — earns rewards on all purchases
+5% cash back on Supermarkets
+No annual fee

MASTERCARD

Core Rate

5.0¢

per dollar on grocery stores

No annual fee

Runner-Up

American Express Gold Card

Amex

4x Membership Rewards on Grocery Stores

4x × 1.8¢/pt = 7.2¢ per dollar

+4x on Supermarkets — points worth 1.8¢ each
+60,000 Flex point bonus (~$1,080 value)
+$212 in credits offset the $325 fee

AMEX

Core Rate

7.2¢

per dollar on grocery stores

$325/yr($212 in credits)

Welcome: 60,000 Flex point

Also Great

Pick 'n Save/Metro Market Rewards World Elite Mastercard®

Usbank

5x points on Grocery Stores

+Official cobrand card — earns rewards on all purchases
+5x on Supermarkets
+No annual fee

MASTERCARD

Core Rate

5.0¢

per dollar on grocery stores

No annual fee($50 in credits)

Quick Comparison

All 10 cards ranked by effective value per dollar.

Card	Grocery Stores Rate	Effective Value	Annual Fee	Fee Offset	Network
Kroger Rewards World Elite MastercardUsbank	5% cash back	5.0¢/$	$0	—	mastercard
American Express Gold CardAmex	4x Membership Rewards	7.2¢/$	$325	$212	amex
Pick 'n Save/Metro Market Rewards World Elite Mastercard®Usbank	5x points	5.0¢/$	$0	$50	mastercard
Ralphs Rewards World Elite Mastercard®Usbank	5x points	5.0¢/$	$0

More Options

#4Ralphs Rewards World Elite Mastercard®No fee

5.0¢/$

#5Kroger Rewards World Elite Mastercard®No fee

5.0¢/$

#6King Soopers Rewards World Elite Mastercard®No fee

5.0¢/$

#7Fry's REWARDS World Mastercard®No fee

5.0¢/$

#8Dillons REWARDS World Mastercard®No fee

5.0¢/$

#9Bilt Obsidian Card$95/yr

6.0¢/$

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Browse all benefits →Browse all cards →

Best Credit Cards for Kroger Pay in 2026

Cards ranked by effective value per dollar spent at Kroger Pay.

Top Pick

Kroger Rewards World Elite Mastercard

Usbank

5% cash back on Grocery Stores

+Official cobrand card — earns rewards on all purchases
+5% cash back on Supermarkets
+No annual fee

MASTERCARD

Core Rate

5.0¢

per dollar on grocery stores

No annual fee

Runner-Up

American Express Gold Card

Amex

4x Membership Rewards on Grocery Stores

4x × 1.8¢/pt = 7.2¢ per dollar

+4x on Supermarkets — points worth 1.8¢ each
+60,000 Flex point bonus (~$1,080 value)
+$212 in credits offset the $325 fee

AMEX

Core Rate

7.2¢

per dollar on grocery stores

$325/yr($212 in credits)

Welcome: 60,000 Flex point

Also Great

Pick 'n Save/Metro Market Rewards World Elite Mastercard®

Usbank

5x points on Grocery Stores

+Official cobrand card — earns rewards on all purchases
+5x on Supermarkets
+No annual fee

MASTERCARD

Core Rate

5.0¢

per dollar on grocery stores

No annual fee($50 in credits)

Quick Comparison

All 10 cards ranked by effective value per dollar.

Card	Grocery Stores Rate	Effective Value	Annual Fee	Fee Offset	Network
Kroger Rewards World Elite MastercardUsbank	5% cash back	5.0¢/$	$0	—	mastercard
American Express Gold CardAmex	4x Membership Rewards	7.2¢/$	$325	$212	amex
Pick 'n Save/Metro Market Rewards World Elite Mastercard®Usbank	5x points	5.0¢/$	$0	$50	mastercard
Ralphs Rewards World Elite Mastercard®Usbank	5x points	5.0¢/$	$0

More Options

#4Ralphs Rewards World Elite Mastercard®No fee

5.0¢/$

#5Kroger Rewards World Elite Mastercard®No fee

5.0¢/$

#6King Soopers Rewards World Elite Mastercard®No fee

5.0¢/$

#7Fry's REWARDS World Mastercard®No fee

5.0¢/$

#8Dillons REWARDS World Mastercard®No fee

5.0¢/$

#9Bilt Obsidian Card$95/yr

6.0¢/$

Want to customize by spend amount, programs, or fee preference?

Open in full search with filters →

Related Categories

Browse all benefits →Browse all cards →

Best Credit Cards for Kroger Pay in 2026

Cards ranked by effective value per dollar spent at Kroger Pay.

Top Pick

Kroger Rewards World Elite Mastercard

Usbank

5% cash back on Grocery Stores

+Official cobrand card — earns rewards on all purchases
+5% cash back on Supermarkets
+No annual fee

MASTERCARD

Core Rate

5.0¢

per dollar on grocery stores

No annual fee

Runner-Up

American Express Gold Card

Amex

4x Membership Rewards on Grocery Stores

4x × 1.8¢/pt = 7.2¢ per dollar

+4x on Supermarkets — points worth 1.8¢ each
+60,000 Flex point bonus (~$1,080 value)
+$212 in credits offset the $325 fee

AMEX

Core Rate

7.2¢

per dollar on grocery stores

$325/yr($212 in credits)

Welcome: 60,000 Flex point

Also Great

Pick 'n Save/Metro Market Rewards World Elite Mastercard®

Usbank

5x points on Grocery Stores

+Official cobrand card — earns rewards on all purchases
+5x on Supermarkets
+No annual fee

MASTERCARD

Core Rate

5.0¢

per dollar on grocery stores

No annual fee($50 in credits)

Quick Comparison

All 10 cards ranked by effective value per dollar.

Card	Grocery Stores Rate	Effective Value	Annual Fee	Fee Offset	Network
Kroger Rewards World Elite MastercardUsbank	5% cash back	5.0¢/$	$0	—	mastercard
American Express Gold CardAmex	4x Membership Rewards	7.2¢/$	$325	$212	amex
Pick 'n Save/Metro Market Rewards World Elite Mastercard®Usbank	5x points	5.0¢/$	$0	$50	mastercard
Ralphs Rewards World Elite Mastercard®Usbank	5x points	5.0¢/$	$0