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.
Updated 2020-07-16 By Robert Flowers III

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

Bonus Categories

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

Sign Up Bonus

The sign up bonus for the Kroger Rewards Mastercard is a discount on fuel. For the first year of being a cardholder, you will receive an additional 25 cents off per gallon of fuel every time you redeem 100 fuel points. As previously mentioned, fuel benefits for this card are pretty decent and could be worth picking up the card.


Annual Fee

The Kroger Rewards Mastercard does not have an annual fee. You'll always earn a positive return on spend you run across the card.

Authorized User Fee

There is no fee to add additional users to the Kroger REWARDS Mastercard. If you have family or friends that shop at Kroger Family Brand Stores, I recommend adding them as additional users to help build up points. Adding them can also help save on gas thanks to the discounts offered on the card.

Foreign Transaction Fee

The Kroger REWARDS Mastercard has a 0% foreign transaction fee. While it's great that you will not be penalized for using this card internationally, you'll be earning a return of 0.5% on non-category spend which is horrible. I recommend searching for another credit card if you're looking to earn on international travel and spend.

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.

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.
Compare A Card
Edit Card Options
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.
Search Results Display Here
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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