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 $475.25 in store spend, 475 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 2022 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 $475.25 in store spend and 2% Cash Back, totaling $9.51 in monthly savings and $114.06 in annual savings. Grocery spend estimate based on 2022 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 – Monthly Mobile Wallet Spend) x (1%) = Monthly Savings
Estimated out of store cashback savings for the Kroger Family of Companies Rewards Elite Mastercard® based on $1,944.08 out of store spend, $250 monthly mobile wallet spend (from $3,000 annual mobile wallet spend), and 1% Cash Back, totaling $16.94 in monthly savings and $203.29 in annual savings. Out of store spend estimate based on 2022 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: $596.95*
*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 $475.25 in store spend, 475 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 2022 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 $475.25 in store spend and 2% Cash Back, totaling $9.51 in monthly savings and $114.06 in annual savings. Grocery spend estimate based on 2022 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 – Monthly Mobile Wallet Spend) x (1%) = Monthly Savings
Estimated out of store cashback savings for the Kroger Family of Companies Rewards Elite Mastercard® based on $1,944.08 out of store spend, $250 monthly mobile wallet spend (from $3,000 annual mobile wallet spend), and 1% Cash Back, totaling $16.94 in monthly savings and $203.29 in annual savings. Out of store spend estimate based on 2022 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: $683.35*
*Subject to credit limits and fuel point redemption rules
Credit (Non-Fuel)
Save $660 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 $303.25 dining spend, $260 fuel spend, and 3% Cash Back, totaling $16.90 in monthly savings and $202.77 in annual savings. Dining and fuel spend estimates based on 2022 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 $475.25 in store spend, 475 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 2022 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 $475.25 in store spend and 2% Cash Back, totaling $9.51 in monthly savings and $114.06 in annual savings. Grocery spend estimate based on 2022 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 – Monthly Mobile Wallet Spend) x (1%) = Monthly Savings
Estimated out of store cashback savings for the Kroger Family of Companies Rewards Elite Mastercard® based on $1,380.83 out of store spend, $250 monthly mobile wallet spend (from $3,000 annual mobile wallet spend), and 1% Cash Back, totaling $11.31 in monthly savings and $135.70 in annual savings. Out of store spend estimate based on 2022 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: $660.13*
*Subject to credit limits and fuel point redemption rules
Kroger Pay
Save $200 per year
5% Savings with Credit Formula: (In Store Spend up to $3,000 x 5% Cash Back) + (Additional In Store Spend x 2% Cash Back) = Monthly Savings
Estimated monthly savings for the Kroger Family of Companies Rewards® Elite Mastercard® and Kroger Pay based on $475.25 in monthly in store spend, $5,703.00 in yearly in store spend, $150 from 5% cash back of $3,000, and $54.06 from 2% cash back of $2,703 (remaining yearly spend after initial $3,000 spend), totaling $17.01 in monthly savings and $204.06 in annual savings. Grocery spend estimate based on 2022 BLS Report on Consumer Expenditures for food at home (https://www.bls.gov/news.release/pdf/cesan.pdf).
Total Annual Savings: $204.06*
*Kroger Pay savings only available if used in tandem with Kroger Credit.
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
Save up to $1 per Money Order*
Competitor Savings Formula: (Competitor Fee - Kroger Fee) = Savings per Money Order
Estimated competitor savings for Money Orders based on $2.00 competitor fee, $1.00 Kroger fee, totaling $1.00 savings per money order.
Savings per Money Order: $1.00*
*Note that fees can vary by Money Order value and by state
Check Cashing
Save up to $4 per check cashed*
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.
Reloadable Prepaid Cards
Save up to $4 per check*
Check Cashing vs. Direct Deposit Savings Formula: Checks Cashed per month x (Kroger fee – no fee) = Savings per Check
Estimated savings based on $4.00 check cashing fee at Kroger and $0.00 GPR fee, totaling $4.00 in savings per check.
Savings per Check: $4.00*
*Note that fees can vary by check value and by store.