¹CARDS HAVE NO VALUE UNTIL ACTIVATED. TERMS AND RESTRICTIONS APPLY. Only purchases made with your Shopper’s Card from the Kroger Family of Companies or made by scanning the loyalty barcode on the back of your Kroger Family of Companies Rewards World Elite Mastercard® are eligible. Excludes the Kroger Family of Companies Gift Cards, ALL PREPAID RELOADABLE DEBIT CARDS (Green Dot® , MoneyPaks®), & ALL FINANCIAL VARIABLE LOAD CARDS (Mastercard® & Visa®). Offer may be modified or discontinued at any time without notice. Fuel discounts are limited to up to 35 gallons of fuel per purchase, subject to fraud prevention limits on the amount of purchase. Not valid where prohibited by law. Subject to availability. See gift cards for details, terms, conditions and (if applicable) fees. All trademarks are property of their respective owners. Third party participants are not a sponsor of the promotion. Product and offer may not be available in all states. Wireless Phones & Airtime cards are excluded from this promotion. Selling or purchasing fuel points is prohibited. Fuel redemption offer cannot be combined with any other discounts. No discounts to dealers, wholesalers or fleet programs. No cash back. Not valid where prohibited by law. Fuel discount not valid in LA. We may suspend or remove you from the fuel program due to suspected violation of these terms or because of fraudulent activity or suspected fraudulent activity. The Visa® and Mastercard® Gift Cards are issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated. See Gift Card for terms and applicable fees. No cash access. For use in the U.S. only. The creditor and issuer of the Kroger Family of Companies Rewards World Elite Mastercard® 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 Family of Companies Rewards World Elite Mastercard®
²Offer 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.
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 eligible for Cash Back rewards such as Advances, Balance Transfers, and Convenience Checks. You may not redeem rewards, and you will immediately lose all of your rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Rewards expire after 36 months. Rewards are only available for redemption if your Account is open and in good standing. Earn 3% cash back up to $6,000 per calendar year for all transactions a merchant classifies as Restaurants, Bars, Fast-Food, and Fuel Stations, including Kroger Fuel Centers. U.S. Bank cannot control how merchants choose to classify their business or transactions and reserves the right to determine which purchases will qualify. Earn 5% cash back on mobile wallet transactions (excluding Kroger Pay) up to $3,000 per calendar year. After your annual spend is met, you will receive 1% cash back on eligible dining, fuel and mobile wallet purchases through the remainder of the calendar year. "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 Pay™, Garmin Pay™ and LG Pay®. If the transaction is an eligible mobile wallet transaction and an eligible cash back rewards category transaction, additional cash back rewards will only be awarded for the mobile wallet transaction types. Once you earn a minimum of $10 in Rewards you can redeem your cash back via a statement credit or Real-Time Rewards. Earn a minimum of $25 in Rewards to redeem for a Kroger Family of Companies Gift Cards. Upon approval, see your Cardmember Agreement for details.
⁵The APR may vary, the variable APR for purchases and Balance Transfers is 19.24% -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 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
³When you use Kroger Pay with a Kroger Payments card.
⁴Kroger engages in the money transmission business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, please contact Western Union Customer Service first at 1-800-325-6000. After contacting Western Union Financial Services, Inc. and if you still have an unresolved complaint regarding the company’s money transmission services, please contact the Texas Department of Banking at 2601 North Lamar Boulevard, Austin, TX 78705 – telephone number 1-877-276-5554 (toll free) or visit www.dob.texas.gov for more information.
Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees, foreign exchange rates and taxes may vary by brand, channel, and location based on a number of factors. Fees and rates are subject to change without notice.
Date available will be displayed on receipt for international transfers over $15. Service and funds availability depends on certain factors including the Service selected, the selection of delayed delivery options, special terms applicable to each Service, amount sent, destination country, currency availability, regulatory issues, consumer protection issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones (collectively, “Restrictions”).
Fee reductions apply only to the Western Union transfer fee for a single Western Union Money Transfer or Quick Collect transaction. Excludes all other services, including without limitation, online bill payments, and money transfers via social/chat applications. Points used will not be reversible and if amount of transfer fee is less than redeemed discount, no cash, credit or refund will be provided. Western Union reserves the right to offer promotional discounts that cannot be combined with My WU fee reductions.
Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985, which are licensed as Money Transmitters by the New York State Department of Financial Services. See terms and conditions for details.
The Western Union name, logo and related trademarks and service marks, owned by Western Union Holdings, Inc., are used with permission.
Ria is a registered trademark of Continental Exchange Solutions, Inc. NMLS #920968, dba Ria Financial Services. Kroger is an authorized delegate of Ria (Continental Exchange Solutions, Inc.) pursuant to Chapter 151 of the Texas Finance Code. If you have a complaint, please call Ria at (855) 355-2145 or visit https://us.riafinancial.com/en/legal/file-complaint.
For Texas consumers: Ria is licensed under Chapter 151 of the Texas Finance Code. After contacting Ria, if you still have a complaint regarding the company’s money transmission services, please contact the Texas Department of Banking at 2601 North Lamar Boulevard, Austin, TX 78705 – telephone number 1-877-276-5554 (toll free) or visit www.dob.texas.gov for more information.
For consumers in all other states: see full terms and conditions, including regulatory contact information, on your receipt.
Date available will be displayed on receipt for all transfers. Service and funds availability depends on certain factors including the amount sent, destination country, currency availability, fraud prevention measures, regulatory issues, consumer protection issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones.
This retail location engages in the money services business by offering prepaid cards issued by U.S. Bank National Association (“U.S. Bank”) pursuant to a license issued to Kroger MTL Management, LLC. If you have a complaint, first contact U.S. Bank at 1-888-853-9536.
If your issue is unresolved by U.S. Bank at 1-888-853-9536, please submit formal complaints with the State of Alaska, Division of Banking & Securities.
Please download the form here: https://www.commerce.alaska.gov/web/portals/3/pub/DBSGeneralComplaintFormupdated.pdf
Submit formal complaint form with supporting documents:
Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807
If you are an Alaska resident with questions regarding formal complaints, please email us at firstname.lastname@example.org or call Nine Zero Seven Four Six Five Two Five Two One