Payments and Services

Payments & Services Savings Details

Credit - $0.25/gallon

Save $595 per year

Flat Fuel Discount Savings Formula: (Flat Fuel Discount) x (Gallons per Fill Up) x (Fill Ups per Month) = Monthly Savings

Estimated monthly fuel discount savings for the Kroger Family of Companies Rewards Elite Mastercard® based on $0.25 flat fuel discount, 12 gallons per fill up, 2 fill ups per month, totaling $6 in monthly savings and $72 annual savings.

Grocery Spend Fuel Savings Formula: (In Store Spend) --> (ROUND DOWN TO NEAREST 100 POINTS) x (.0001) x (Gallons per Fill Up) = Monthly Savings

Estimated monthly grocery spend savings for the Kroger Family of Companies Rewards Elite Mastercard® based on $438.25 in store spend, 438 Fuel Points earned, 400 Fuel Points redeemed, $0.40 Fuel Points discount earned, 12 gallons per fill up, totaling $4.80 in monthly savings and $57.60 in annual savings. Grocery spend estimate based on 2021 BLS Report on Consumer Expenditures for food at home (https://www.bls.gov/news.release/pdf/cesan.pdf).

Grocery Cashback Formula: (In Store Spend) x (2%) = Monthly Savings

Estimated monthly grocery cashback savings for the Kroger Family of Companies Rewards Elite Mastercard® based on $438.25 in store spend and 2% Cash Back, totaling $8.77 in monthly savings and $105.18 in annual savings. Grocery spend estimate based on 2021 BLS Report on Consumer Expenditures for food at home (https://www.bls.gov/news.release/pdf/cesan.pdf).

Out of Store Cashback Formula: (Out of Store Spend) x (1%) = Monthly Savings

Estimated out of store cashback savings for the Kroger Family of Companies Rewards Elite Mastercard® based on $1,765.33 out of store spend and 1% Cash Back, totaling $17.65 in monthly savings and $211.84 in annual savings. Out of store spend estimate based on 2021 BLS Report on Consumer Expenditures for food away from home, apparel and services, transportation, entertainment, personal care products and services, reading, and miscellaneous categories (https://www.bls.gov/news.release/pdf/cesan.pdf).

Mobile Wallet Kicker Formula: (Out of Store Spend up to $3000) x (5%) = Annual Savings

Estimated monthly mobile wallet savings for the Kroger Family of Companies Rewards Elite Mastercard® based on an annual $3,000 mobile wallet spend, 5% mobile wallet kicker, totaling $12.50 in monthly savings and $150 in annual savings.

Total Annual Savings: $596.62*

*Subject to credit limits and fuel point redemption rules

Credit - $0.55/gallon

Save $680 per year

Flat Fuel Discount Savings Formula: (Flat Fuel Discount) x (Gallons per Fill Up) x (Fill Ups per Month) = Monthly Savings

Estimated monthly fuel discount savings for the Kroger Family of Companies Rewards Elite Mastercard® based on $0.55 flat fuel discount, 12 gallons per fill up, 2 fill ups per month, totaling $13.20 in monthly savings and $158.40 annual savings.

Grocery Spend Fuel Savings Formula: (In Store Spend) --> (ROUND DOWN TO NEAREST 100 POINTS) x (.0001) x (Gallons per Fill Up) = Monthly Savings

Estimated monthly grocery spend savings for the Kroger Family of Companies Rewards Elite Mastercard® based on $438.25 in store spend, 438 Fuel Points earned, 400 Fuel Points redeemed, $0.40 Fuel Points discount earned, 12 gallons per fill up, totaling $4.80 in monthly savings and $57.60 in annual savings. Grocery spend estimate based on 2021 BLS Report on Consumer Expenditures for food at home (https://www.bls.gov/news.release/pdf/cesan.pdf).

Grocery Cashback Formula: (In Store Spend) x (2%) = Monthly Savings

Estimated monthly grocery cashback savings for the Kroger Family of Companies Rewards Elite Mastercard® based on $438.25 in store spend and 2% Cash Back, totaling $8.77 in monthly savings and $105.18 in annual savings. Grocery spend estimate based on 2021 BLS Report on Consumer Expenditures for food at home (https://www.bls.gov/news.release/pdf/cesan.pdf).

Out of Store Cashback Formula: (Out of Store Spend) x (1%) = Monthly Savings

Estimated out of store cashback savings for the Kroger Family of Companies Rewards Elite Mastercard® based on $1,765.33 out of store spend and 1% Cash Back, totaling $17.65 in monthly savings and $211.84 in annual savings. Out of store spend estimate based on 2021 BLS Report on Consumer Expenditures for food away from home, apparel and services, transportation, entertainment, personal care products and services, reading, and miscellaneous categories (https://www.bls.gov/news.release/pdf/cesan.pdf).

Mobile Wallet Kicker Formula: (Out of Store Spend up to $3000) x (5%) = Annual Savings

Estimated monthly mobile wallet savings for the Kroger Family of Companies Rewards Elite Mastercard® based on an annual $3,000 mobile wallet spend, 5% mobile wallet kicker, totaling $12.50 in monthly savings and $150 in annual savings.

Total Annual Savings: $683.02*

*Subject to credit limits and fuel point redemption rules

Credit (Non-Fuel)

Save $625 per year

3% Cash Back on Dining and Fuel Cashback Formula: (Dining Spend + Fuel Spend up to $6000 annually) x (3%) = Monthly Savings

Estimated monthly dining and fuel cashback savings for the Kroger Family of Companies Rewards Elite Mastercard® based on $252.50 dining spend, $179 fuel spend, and 3% Cash Back, totaling $12.95 in monthly savings and $155.34 in annual savings. Dining and fuel spend estimates based on 2021 BLS Report on Consumer Expenditures for food away from home and gasoline (https://www.bls.gov/news.release/pdf/cesan.pdf).

Grocery Spend Fuel Savings Formula: (In Store Spend) --> (ROUND DOWN TO NEAREST 100 POINTS) x (.0001) x (Gallons per Fill Up) = Monthly Savings

Estimated monthly grocery spend fuel savings for the Kroger Family of Companies Rewards Elite Mastercard® based on $438.25 in store spend, 438 Fuel Points earned, 400 Fuel Points redeemed, $0.40 Fuel Points discount earned, 12 gallons per fill up, totaling $4.80 in monthly savings and $57.60 in annual savings. Grocery spend estimate based on 2021 BLS Report on Consumer Expenditures for food at home (https://www.bls.gov/news.release/pdf/cesan.pdf).

Grocery Cashback Formula: (In Store Spend) x (2%) = Monthly Savings

Estimated monthly grocery cashback savings for the Kroger Family of Companies Rewards Elite Mastercard® based on $438.25 in store spend and 2% Cash Back, totaling $8.77 in monthly savings and $105.18 in annual savings. Grocery spend estimate based on 2021 BLS Report on Consumer Expenditures for food at home (https://www.bls.gov/news.release/pdf/cesan.pdf).

Out of Store Cashback Formula: (Out of Store Spend) x (1%) = Monthly Savings

Estimated out of store cashback savings for the Kroger Family of Companies Rewards Elite Mastercard® based on $1,333.83 out of store spend and 1% Cash Back, totaling $13.34 in monthly savings and $160.06 in annual savings. Out of store spend estimate based on 2021 BLS Report on Consumer Expenditures for apparel and services, transportation excluding gasoline/fuel, entertainment, personal care products and services, reading, and miscellaneous categories (https://www.bls.gov/news.release/pdf/cesan.pdf).

Mobile Wallet Kicker Formula: (Out of Store Spend up to $3000) x (5%) = Annual Savings

Estimated monthly mobile wallet savings for the Kroger Family of Companies Rewards Elite Mastercard® based on an annual $3,000 mobile wallet spend, 5% mobile wallet kicker, totaling $12.50 in monthly savings and $150 in annual savings.

Total Annual Savings: $628.18*

*Subject to credit limits and fuel point redemption rules

Debit

Save $110 per year

Fuel Savings Formula: (In Store Spend) x (1.5 Debit Multiplier) --> (ROUND DOWN TO NEAREST 100 POINTS) x (.0001) x (Gallons per Fill Up) = Monthly Savings

Estimated monthly fuel savings for the Kroger Rewards Debit Card based on $438.25 in store spend, 657 (1.5X) Fuel Points earned, 600 Fuel Points redeemed, $0.60 fuel discount earned, 12 gallons per fill up, totaling $7.20 in monthly savings and $86.40 in annual savings. Grocery spend estimate based on 2021 BLS Report on Consumer Expenditures for food at home (https://www.bls.gov/news.release/pdf/cesan.pdf).

Our Brands Cashback Formula: (Our Brands Spend) x (2%) = Monthly Savings

Estimated monthly Our Brands Cashback savings for the Kroger Rewards Debit Card based on $100 Our Brands spend, 2% cashback, totaling $20 in monthly savings and $24 in annual savings.

Total Annual Savings: $110.40*

*Subject to fuel point redemption rules

Kroger Pay

Save $110 per year

Fuel Savings Formula: (In Store Spend) x (1.5 Debit Multiplier) --> (ROUND DOWN TO NEAREST 100 POINTS) x (.0001) x (Gallons per Fill Up) = Monthly Savings

Estimated monthly fuel savings for the Kroger Rewards Debit Card based on $438.25 in store spend, 657 (1.5X) Fuel Points earned, 600 Fuel Points redeemed, $0.60 fuel discount earned, 12 gallons per fill up, totaling $7.20 in monthly savings and $86.40 in annual savings. Grocery spend estimate based on 2021 BLS Report on Consumer Expenditures for food at home (https://www.bls.gov/news.release/pdf/cesan.pdf).

Our Brands Cashback Formula: (Our Brands Spend) x (2%) = Monthly Savings

Estimated monthly Our Brands Cashback savings for the Kroger Rewards Debit Card based on $100 Our Brands spend, 2% cashback, totaling $2 in monthly savings and $24 in annual savings.

Total Annual Savings: $110.40*

* Kroger Pay savings only available if used in tandem with Kroger Credit or Debit Card. Savings subject to fuel point redemption rules

Third Party Gift Card

Save up to $1 per gallon of fuel*

Fuel Savings Formula: (Save up to $1 per gallon) x (Gallons per Fill Up) x (Fill Ups per Month) = Monthly Savings

Estimated monthly fuel savings for Third Party National Brands Gift Cards based on redeeming fuel points to save up to $1 per gallon by redeeming up to 1000 points per fill up, 12 gallons per fill up, and 1 fill ups per month, totaling $12 in monthly savings and $144 in annual savings.

Total Annual Savings: $144*

*Savings subject to fuel point redemption rules

Open Loop Gift Card

Save up to $1 per gallon of fuel*

Fuel Savings Formula: (Save up to $1 per gallon) x (Gallons per Fill Up) x (Fill Ups per Month) = Monthly Savings

Estimated monthly fuel savings for Visa® & Mastercard® Open Loop Gift Cards based on redeeming fuel points to save up to $1 per gallon by redeeming up to 1000 points per fill up, 12 gallons per fill up, and 1 fill ups per month, totaling $12 in monthly savings and $144 in annual savings.

Total Annual Savings: $144*

* Does not account for OLG fees. Fuel points are earned only on denominated cards with values up to $100. OLG does not earn fuel points in Fred Meyer. Savings subject to fuel point redemption rules

Money Order

Competitor Savings Formula: (Competitor Fee - Kroger Fee) = Savings per Money Order

Estimated competitor savings for Money Orders based on $1.65 competitor fee, $1.00 Kroger fee, totaling $0.65 savings per money order.

Savings per Money Order: $0.65*

* Note that fees can vary by Money Order value and by state

Check Cashing

Competitor Savings Formula: (Competitor Fee - Kroger Fee) = Savings per Check Cashed

Estimated competitor savings for Check Cashing based on $8.00 competitor fee, $4.00 Kroger fee, totaling $4.00 in savings per check cashed.

Savings per Check Cashed: $4.00*

* Note that fees can vary by check value and by store.

Telecom

Save up to $490 per year

Switch to Save Formula: (Monthly Spend for Current Phone Plan) - (Monthly Spend for Pre Paid on Same Network) = Monthly Savings

Estimated monthly Switch to Save savings for Phones & Airtime based on $90 monthly spend for an unlimited data post-paid plan versus $50 monthly spend at Kroger for similar service and data on a pre-paid plan, totaling $40 in monthly savings and $480 in annual savings.

Fuel Savings Formula: (Monthly Plan Spend) x (2X Telecom Multiplier) --> (ROUND DOWN TO NEAREST 100 POINTS) x (.0001) x (Gallons per Fill Up) = Monthly Savings

Estimated monthly fuel savings for Phones & Airtime based on $50.00 monthly spend at Kroger for same plan, 100 Fuel Points earned, $0.10 fuel discount earned, 12 gallons per fill up, totaling $1.20 in monthly savings and $14.40 in annual savings.

Total Annual Savings: $494.40*

*Savings vary based on current plan and new prepaid plan costs.