Kroger REWARDS Mastercard Calculator

Review the benefits of the Kroger REWARDS Mastercard, calculate how many Kroger Points you can earn, and compare it against top grocery rewards cards.

The Kroger REWARDS Mastercard earns Kroger Points on purchases made at Kroger Family Stores along with bonus points when you purchase Kroger brand products from the stores. The card also offers a small discount on fuel purchased from Kroger Family Fuel Stations. While the card itself has a nice earning structure, the value of Kroger Points brings the value of the card down. Unless you're looking to earn a discount at Kroger Family Fuel Stations, there's better credit cards to put your grocery spend on.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The Kroger REWARDS Mastercard features two bonus categories that earns bonus Kroger Points with spend and that's spending at Kroger Family of Companies and spending on Kroger Family of Companies Own Brand Products. There is no limit to the amount of Kroger Points you can earn spending in each bonus category and no limit to the amount of Kroger Points you can earn with the card in general.

  • 3x Kroger Family of Companies Own Brand Products
    • These are brands that are produced by stores that fall under Kroger Family Brands including:
      • Simple Truth
      • Private Selection
      • Kroger (brand)
      • HemisFares
      • Comforts
      • Abound
      • Luvsome
      • Bloom Haus
      • Murray's Cheese
      • Bakery Fresh Goodness
      • Dip
      • Home Chef
      • Pet Pride
      • OfficeWorks
      • HD Designs
      • Everyday Living
  • 2x Kroger Family of Companies
    • Applies to purchases you make at Kroger Family stores that are not Kroger Brand Products which includes:
      • Baker’s
      • City Market
      • Dillons
      • Food 4 Less
      • Foods Co
      • Fred Meyer
      • Fry’s
      • Gerbes
      • Harris Teeter
      • King Soopers
      • Jay C Food Store
      • Kroger
      • Owens Market
      • Pay-Less Super Markets
      • QFC
      • Ralphs
      • Smith’s Food and Drug
  • 1x Non-Category

Do note that none of the bonus categories apply to Kroger Fuel Centers.

Perks & Benefits

There's not much to the Kroger Rewards Mastercard in terms of benefits outside of your basic Mastercard benefits and a fuel discount.

  • Kroger Fuel Discount
    • Save an additional 5 cents per gallon on fuel at Kroger Family of Companies Fuel Center.
  • Cell Phone Protection
  • Mastercard Benefits

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
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Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
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Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Change Order
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
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Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
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This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
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Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
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Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
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Card 2


Unsure of what type of rewards card you're looking for? Use CardMatch™ to get matched with offers, which may include special and/or prequalifed offers, on cards you're more likely to qualify for. You never know what great offers you might receive!
Updated 2020-07-16 By Robert Flowers III

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