Payments and Services

Today’s Top Offers

Let us help you find the products and services that save you time and money on everything you need to make your everyday life even more rewarding.

Explore More Products and Services

Gift Cards

Find hundreds of gift cards for every occasion and earn Fuel Points on select gift cards in-store and online.¹

Ways to Pay

Earn rewards when you shop with Our Payment cards! And stack your savings by connecting your Rewards credit card with Kroger Pay.³

Money Services

Save more on the financial services you use every day.⁴ Visit us in-store or online to send money, pay bills and more.

Savings That Go Above and Beyond Grocery

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Frequently Asked Questions

Alaska Residents: View disclosures and file a complaint for Prepaid and Money Services here.

Gift Cards

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

Gift Card Mall and Bulk eGift Cards are managed by Kroger partner, Blackhawk Network. eGift Cards and our Gift Card Mall is operated by BlackHawk Network, Inc., on behalf of Kroger. Providing any information or purchasing a product, the user is entering a first-party relationship with Blackhawk Network. Both entities have access to and control over Personal Data collected and processed on the Blackhawk Network Inc. managed website, Gift Card Mall. Data protection laws in your jurisdiction may give you specific privacy rights, including the right to request access to or deletion of your Personal Data, and rights regarding the Sale of Data (where applicable). If you wish to exercise those rights you will need to make requests to each company directly; please visit the Blackhawk Network Inc. Privacy Notice and the Kroger Privacy Notice for more information. Use of Blackhawk Network’s Gift Card Mall website constitutes acceptance of the following Privacy Policy and Terms of Service and Visa terms.

Kroger Family of Companies Rewards World Elite Mastercard®

⁵Subject 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. Purchases made at Kroger Family of Companies Fuel Centers do not earn Rewards Points. 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 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. Rewards can be redeemed via Real-Time Rewards after making an eligible purchase of $10 or more at Kroger Family of Companies or via statement credit once you have earned a minimum of 1,000 Rewards Points (worth $10). Rewards can be redeemed via Kroger Family of Companies Gift Cards when you have earned a minimum of 2,500 Rewards Points (worth $25). Upon approval, see your Cardmember Agreement for details.

²Offer applies to new cardmembers only. Subject to credit approval. Discount is available at Kroger Family of Companies Fuel Centers each time you redeem at least 100 existing fuel points earned in a single month. You must scan, redeem fuel points and pay with your Kroger Family of Companies Rewards World Elite Mastercard® in order to receive the fuel discount The first-year additional 55¢ discount offer expires one year from the cardmember’s approval date and does not require a spend minimum. However, if your posted spend is at least $6,000 on net eligible purchases during the first 12 months that your Account is open, once the additional 55¢ discount has expired, you will receive a 25¢ discount for the remainder of that calendar year and for the entirety of the next calendar year, ending the following January 31. The date that a transaction is made may not be the same date that it posts to your Account. After that, eligibility is determined on a calendar year basis. If your spend equals at least $6,000 on net eligible purchases in a calendar year, you get the 25¢ discount for the remainder of that calendar year (starting the month after you met the minimum spend requirement) and for the entirety of the next calendar year, ending the following January 31. If the additional 25¢ (or introductory 55¢) discount has expired and you have not met the minimum posted spend requirement in the prior or current year, you will instead receive an additional 5¢ fuel discount at Kroger Family of Companies Fuel Centers when you scan, redeem fuel points and pay with your Kroger Family of Companies Rewards World Elite Mastercard®. Not valid with any other fuel offer. Accumulation excludes taxes, office services, alcohol, tobacco, fuel, prescriptions and any purchases prohibited by law. Fuel discount effective for a limited time at participating fuel center locations. Not valid in MO or where prohibited by law. Purchases made at Kroger Family of Companies Fuel Centers do not earn Rewards Points or fuel points. Please see store for fuel discounts details and in-store spending requirements. 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. We may suspend or remove you from the fuel program due to violation of these terms or because of fraudulent activity or suspected fraudulent activity.

⁶The 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

Kroger Pay

³When you use Kroger Pay with a Kroger Payments card.

Money Services

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 dbs.licensing@alaska.gov or call Nine Zero Seven Four Six Five Two Five Two One