Key Benefits

Pros

• +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

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

Key Benefits

Pros

• +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

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

Key Benefits

Pros

• +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

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