^{Kroger Family of Companies Rewards® World Elite Mastercard®}

^{1 Subject to credit approval. Cash Back rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Rewards expire after 36 months. Rewards are only available for redemption if your Account is open and in good standing (not past due or overlimit). Purchases qualify for cash back based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Rewards can be redeemed via Real-Time Rewards when you make an eligible purchase of $10 or more at Kroger Family of Companies or via statement credit when you have earned a minimum of 1,000 Rewards Points (worth $10). Rewards can be redeemed via Kroger Family of Companies Gift Cards when you have earned a minimum of 2,500 Rewards Points (worth $25). Upon approval, see your Cardmember Agreement for details.}

^{2 Kroger Pay non-fuel transactions earn 5% cash back on the first $3,000 in purchases each calendar year and 2% on amounts above that. Kroger Pay transactions at Fuel Centers, combined with any dining transactions, earn 3% on the first $6,000 spent each calendar year and 1% on amounts above that. Mobile wallet transactions (excluding Kroger Pay) earn 5% on the first $3,000 in purchases each calendar year and 1% on amounts above that, regardless of where the transaction was made, including Kroger Family of Companies locations. "Mobile wallet" is defined as the method of paying for a transaction by use of a mobile device (in a store, in-app or online) and includes Apple Pay®, Samsung Pay, Google PayTM, Garmin PayTM and LG Pay®. If a Kroger Pay or Mobile Wallet transaction might also qualify as a rewards category transaction, then the card issuer has sole discretion on how to categorize the transaction.}

^{3 Boost offer applies to new credit cardmembers who apply and are approved for the Kroger Family of Companies Rewards World Elite Mastercard® and existing Kroger Family of Companies Rewards World Elite Mastercard® cardmembers. Must enroll for Boost membership and provide payment information to activate your membership and receive free one-year membership in the Boost program. Upon expiration of free membership period, your credit/debit card will be charged for an annual membership unless canceled prior to the end of free membership period. An annual membership currently costs $59/year, but the cost of the yearly membership is subject to change. You can cancel any time before the end of the first year of membership by visiting your membership page. If you decide to cancel, your current Boost benefits will be available until the end of your membership period. Only one free Boost membership per household. Current Boost members must re-enroll to redeem Boost membership and you will receive complimentary one-year membership in the Boost program after current Boost membership expires. Offer cannot be used for payment of current Boost membership. Limited time offer. See our website for more information regarding Boost membership.}

^{4 Offer applies to new cardmembers only. For a limited time only. Subject to credit approval. Must submit application, be approved for the Kroger Family of Companies Rewards World Elite Mastercard® and spend $500 in net purchases within 90 days of Account opening to automatically earn the $100 cash back. Net purchases are purchases minus credits and returns. The $100 cash back will be applied as a statement credit on your Account. Please allow 6-8 weeks after the promotion period for your $100 statement credit to be credited to your Account. Your Account must be open and in good standing to receive this bonus. Upon approval, please refer to your Cardmember Agreement for additional information.}

^{5 The APR may vary, the variable APR for purchases and Balance Transfers is 19.24% to 29.99% (based on your creditworthiness). The variable APR for Cash Advances is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 4% of each check amount, $10 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 4% of each transfer amount, $10 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: $0.}

^{The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.}

^{The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. ©2023 U.S. Bank}

^{Kroger Pay}

^{6 Restrictions apply, “contact-free” applies to transactions through staffed registers only.
7 When you use Kroger Pay with a Kroger Payments card.}

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