Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +4X points on dining worldwide - industry leading
• +4X at U.S. supermarkets up to $25k/year
• +$424 in annual credits offset $325 fee
• +No foreign transaction fees
• +Transfer to 20+ airline and hotel partners

• +5% back on all Kroger family of stores purchases
• +2x fuel points at Kroger fuel centers
• +No annual fee
• +Mastercard World Elite benefits
• +Works across all Kroger banners (Ralphs, Fred Meyer, Harris Teeter, etc.)

Cons

• −$325 annual fee with no waived first year
• −4X grocery excludes Costco, Walmart, Target
• −No lounge access included
• −Limited non-food spending categories
• −Amex acceptance less universal than Visa/MC

• −Top earn rate limited to Kroger ecosystem only
• −3% foreign transaction fee
• −Only 1% on non-Kroger purchases
• −Rewards most valuable within Kroger ecosystem

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +4X points on dining worldwide - industry leading
• +4X at U.S. supermarkets up to $25k/year
• +$424 in annual credits offset $325 fee
• +No foreign transaction fees
• +Transfer to 20+ airline and hotel partners

• +5% back on all Kroger family of stores purchases
• +2x fuel points at Kroger fuel centers
• +No annual fee
• +Mastercard World Elite benefits
• +Works across all Kroger banners (Ralphs, Fred Meyer, Harris Teeter, etc.)

Cons

• −$325 annual fee with no waived first year
• −4X grocery excludes Costco, Walmart, Target
• −No lounge access included
• −Limited non-food spending categories
• −Amex acceptance less universal than Visa/MC

• −Top earn rate limited to Kroger ecosystem only
• −3% foreign transaction fee
• −Only 1% on non-Kroger purchases
• −Rewards most valuable within Kroger ecosystem

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +4X points on dining worldwide - industry leading
• +4X at U.S. supermarkets up to $25k/year
• +$424 in annual credits offset $325 fee
• +No foreign transaction fees
• +Transfer to 20+ airline and hotel partners

• +5% back on all Kroger family of stores purchases
• +2x fuel points at Kroger fuel centers
• +No annual fee
• +Mastercard World Elite benefits
• +Works across all Kroger banners (Ralphs, Fred Meyer, Harris Teeter, etc.)

Cons

• −$325 annual fee with no waived first year
• −4X grocery excludes Costco, Walmart, Target
• −No lounge access included
• −Limited non-food spending categories
• −Amex acceptance less universal than Visa/MC

• −Top earn rate limited to Kroger ecosystem only
• −3% foreign transaction fee
• −Only 1% on non-Kroger purchases
• −Rewards most valuable within Kroger ecosystem