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Banking RegistryReal data. Clear answers.Data as of Oct 4, 2026
U.S. BankKroger Rewards World Elite MastercardRegistry illustration · issuer artwork unavailable

Kroger Rewards World Elite MastercardU.S. Bank · N bank, AR · FDIC 6548

CurrentLast observed Oct 4, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured
Purchase APR
great to poor
Balance transfer
—
Cash advance APR
variable
Annual fee
a year
Foreign fee
Grace period
26 days
from cycle close

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchasesintroductory rate first
IntroductoryNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Great creditmedian 19.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Good creditmedian 30.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Poor creditmedian 30.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
All applicants17.49%–30.49% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
APR for balance transfersNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
APR for cash advances31.49% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Penalty APRafter a late or returned payment—no source read
Paying interestgrace period on new purchases26 days from the close of each billing cycle——
Minimum interest charge$1——
How we calculate your balanceAverage daily balance including new purchases——
Annual fee$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Transaction fees
Cash advance5% of the amount, minimum $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Balance transfer4% of the amount, minimum $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Foreign transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Penalty fees
First late fee$30Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Repeat late fee within six billing cycles$41Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Returned payment—no source read
Other fees
Return Payment Fee$41, When payment is returned from bank unpaid. This fee is up to $41Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website
Opening conditionsKroger Loyalty ID is required to be captured at time of application, but if a customer enters inaccurate or false data this does not prevent underwriting.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026—Website