123 Kroger Rewards Mastercard Details

The 123 Kroger Rewards Mastercard, also known as the Kroger Rewards World Elite Mastercard, is a credit card issued by U.S. Bank in partnership with The Kroger Co.

This card targets frequent shoppers at Kroger stores and offers rewards specifically tailored to their needs.

In this guide you will learn about 123 Kroger Rewards Mastercard details and its benefits and how to apply and what could be the credit score and cashback.

123 Kroger Rewards Mastercard

123 Kroger Rewards Mastercard Details:

  • Network: Mastercard
  • Rewards Program: Kroger Rewards
  • Annual Fee: 0
  • Card name: Kroger Rewards World Elite Mastercard
  • Foreign Transaction Fee: If you use it outside the U.S., you’ll pay 1% extra.

Why 123 Kroger Rewards Mastercard

Why 123 Kroger Rewards Mastercard

The 123 Kroger Rewards Mastercard is called that way to show it’s easy to get rewards.

“123” means it’s simple: 1 – Use the card, 2 – Get cash back, 3 – Enjoy the perks.

This name makes it clear how the card works and how you can benefit when you shop at Kroger and other places.

123 Kroger Rewards Mastercard Benefits:

  • Fuel Savings: Earn an additional 25 cents off per gallon of fuel for the first year when you redeem at least 100 fuel points at Kroger Family of Companies Fuel Centers.
  • Kroger Pay & Mobile Wallet: Earn up to 5% cash back on purchases made using Kroger Pay or other mobile wallets.
  • Kroger Stores: Earn 2% cash back on purchases at Kroger stores (excluding fuel centers).
  • Everywhere Else: Earn 1% cash back on all other purchases.
  • Bonus Rewards: Earn additional rewards through bonus offers and promotions.
  • World Elite Mastercard Benefits: Enjoy airport lounge access, travel insurance, and other benefits offered by Mastercard World Elite.

123 Kroger Rewards Mastercard Cashback

123 Kroger Rewards Mastercard Cashback

You can get multiple cashback benefits without any fee or charge those are:

  • 5% Cashback on mobile wallet & Kroger pay transaction.
  • 2% cashback on Kroger stores.
  • 1% Cashback on All other stores.
  • Earn 25¢ PER GALLON OF FUEL.
  • Earn a FREE Next-Day Delivery Boost Membership
123 Kroger Rewards Mastercard Cashback earning

How to Apply Kroger Rewards Mastercard 123:

  • Visit the official Kroger Mastercard website at : https://www.krogermastercard.com/.
  • Click on “Apply Now.”
  • Enter your personal information and financial details.
  • Review the terms and conditions and submit your application.

123 Kroger Rewards Mastercard Login:

123 Kroger Rewards Mastercard Login

How to Avail Cashback On Kroger Rewards Card:

  • Earn cash back automatically on all eligible purchases based on the reward tiers mentioned above.
  • Redeem your cash back for statement credits, gift cards, or to reduce your balance.

Kroger Rewards Mastercard Credit Limit:

The credit limit for the 123 Kroger Rewards Mastercard varies depending on your individual creditworthiness.

If your credit score and credit history are good enough then you will get a very good credit limit on your applied card.

Usually people will get a minimum limit of $500 to $50000 depending upon their credit history.

Required Credit Score To Apply Kroger Mastercard:

This card typically requires a good to excellent credit score (generally above 670).

However, the exact score requirement may vary depending on your individual circumstances.

123 Kroger Rewards Mastercard Phone Number

For any query related to credit card you can call to the no: 844-237-0593
If it is Outside the United State then call 701-461-1593

Also you can login to their Online Banking then call on Contact Us.

How To Pay Kroger Rewards Mastercard Bill

To pay mastercard bill:

  • Login To Online banking.
  • Go to your card outstanding.
  • Click On the Outstanding bill.
  • Then click on paynow.

Or you can pay using the below details which is offline mode

U.S. Bank National Association
Cardmember Service
P.O. Box 790408
St. Louis, MO 63179-0408

Make sure to include your account number in the memo area of your check.

Reference: https://www.krogermastercard.com/credit/contactUs.do

Reviews For 123 Kroger Mastercard:


What is the actual credit score needed to apply kroger mastercard?

Ans: If your credit score is 670 or nearer then you can easily apply.

What do you mean by kroger rewards mastercard?

Ans: A creditcard in which you will get cashback on your each spend that is called kroger rewards mastercard.

How to get 123 kroger rewards mastercard?

Ans: To get a Kroger Mastercard you should be following under the eligibility

What is the annual fee of 123 kroger rewards mastercard?

Ans: The annual charge of the 123 kroger rewards mastercard is $0.

How can i get a good credit limit of kroger master card?

Ans: If you want good credit limit better you should use existing card to card application.

Which is the website for 123 kroger rewards mastercard?

Ans: Official website is https://www.krogermastercard.com/.

How to increase your 123 kroger rewards mastercard credit limit ?

Ans: If you wants to increase your credit card limit then you should submit the application with your recent it proof and income details so that they will cross check and enhance your limit.

Is there a minimum income requirement to apply for this card?

Ans: There is no publicly available information about a minimum income requirement for this card.

Can I use this card outside of the United States?

Ans: Yes, you can use this card internationally, but there is a 1% foreign transaction fee.

How long does it take to get approved for this card?

Ans: The approval process typically takes 7-10 business days.

How do I report a lost or stolen card?

Ans: Contact U.S. Bank customer service immediately at 844-237-0593.

What is the grace period for this card?

Ans: You have a 21-day grace period to pay your balance in full and avoid interest charges.


The 123 Kroger Rewards Mastercard is a good option for frequent Kroger shoppers who want to earn rewards on their everyday.

Hope this help, for any question feel free to ping below.

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