Apply for MyOffer Kroger Mastercard® Credit Card

If you’re a frequent Kroger shopper, you may benefit from the Kroger Rewards credit card. The card provides you with cash back based on all the purchases you make using the card, whether you use it at Kroger or not.

The Kroger Rewards card is issued by U.S. Bank. The card is most frequently issued to those with good or excellent credit, which means you have a credit score of about 700 or higher.

How to Apply for Kroger Credit Card Online

It’s simple to apply for Kroger credit card online.

  1. First, visit their website at

  2. Click on the green button near the middle of the page that says “Apply Now.”
  3. On the next page, complete your Kroger credit card application.
  4. Enter your Kroger shopper number if you have it, and then enter your first and last name and date of birth.
    Provide your Social Security number, your country of citizenship, and your primary phone number.
    Enter your email address and your physical address.
    Choose an option for your employment status and your annual income.

  5. Scroll down and check the box agreeing to the terms and conditions. Click the black “Submit” button. Follow any further prompts to finish your application.
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Other Ways to Apply for a Kroger Credit Card

You can also apply for Kroger credit card by phone.

Call 1-888-219-18-22 to complete a Kroger credit card application.

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Kroger Credit Card Rewards Program

The Kroger Rewards credit card offers points based on your purchases. You get three points for each $1 in Kroger brand products you purchase, two points for each $1 you spend on any purchase at a Kroger or Kroger-affiliated store (except for fuel) and one point for every $1 you spend anywhere else. You get a $5 reward coupon for every 1,000 points you earn.

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Kroger Mastercard® FAQs

What is the APR for a Kroger credit card?
The APR is variable and based on the Prime Rate and your creditworthiness. APRs typically range from 16.99 percent to 29.99 percent.

Can you do cash advances?
You can do a cash advance, and the APR for cash advances is 29.99 percent. There is also a cash advance fee of 4 percent or $10, whichever is higher.

Is there an annual fee?
There is no annual fee for a Kroger Rewards credit card.

Is there a late fee?
You may be charged a late fee of up to $41 if your payment is received after the due date.

Can I do a balance transfer?
You can do a balance transfer, but you will only get rewards for purchases. The APR for your balance transfer is the same as your purchase APR, and there is a fee of 4 percent or $10, whichever is higher.

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Kroger Credit Card Reviews

Reviews for the Kroger Mastercard® are mixed. Some like the rewards but find that the rewards don’t add up to as much as they thought. The rewards can also only be spent at Kroger stores and are issued quarterly. There are also some complaints about customer service and difficulties in getting reward coupons. If you’re a frequent Kroger shopper who buys a lot of their store-brand products, it may be helpful, though.

Rewards Program
User Rating: 4.1 (10 votes)
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Judy Edgar
Judy Edgar
2 years ago

Where do I apply for the Kroger Mastercdgarard?
1 year ago
Reply to  Judy Edgar

Thank you for reaching out to us! You may apply by visiting

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