How to Find and Use Your Kroger Credit Card Login

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From humble beginnings in 1883, Kroger has grown from a small regional grocery store to a national chain with more than 2,800 locations coast to coast.

The company has become synonymous with quality food at reasonable prices, and you can save even more with the Kroger Rewards World Elite Mastercard, issued by US Bank. But you might find the online account registration or login process somewhat confusing. Here’s what you need to do.

How to log in to your Kroger credit card account from a computer

If you haven’t already signed up to manage your Kroger Rewards World Elite Mastercard online, now is the time. The process is simple — follow these steps:

  1. Go to the Kroger Rewards World Elite Mastercard home page.
  2. Click on the “Login” button in the upper right corner of the page.
  3. Click on the “Create username and password” link.
  4. Enter your credit card number and the last four digits of your social security number.
  5. Click the “Continue” button in the lower right corner of the page.
  6. Follow the prompts to create a username and password.

To log in

If you’ve already signed up for online account management, follow these steps to sign in to your account:

  1. Go to the Kroger credit card homepage.
  2. Click on the blue “Login” link.
  3. Enter your username and password in the fields provided.
  4. Click on the blue “Login” button and you are ready to manage your account.

If you’re tired of typing your username every time you want to manage your account, click the empty square next to the words “Remember my username”. The system will autofill your username as long as you continue to use the same device and do not clear cookies from your system.

How to Login to Your Kroger Credit Card Account from a Mobile Device

Although Kroger has a mobile app that lets you shop and save on the go, it doesn’t offer any functionality to manage your credit card account. However, there is a way to access your account from your mobile phone or tablet. Here’s how:

  1. Open your favorite web browser on your mobile device.
  2. Go to the Kroger Rewards World Elite Mastercard webpage.
  3. Follow the steps above to connect as if you were using a desktop or laptop computer.

How to recover a forgotten username or password

There’s no shame in forgetting your username or password once in a while. Almost everyone is a victim of forgetfulness from time to time. If you forgot your login information, don’t worry. Simply follow the steps below to regain access to your online account:

  1. Go to the Kroger Rewards World Elite Mastercard home page.
  2. Click on the “Login” link.
  3. Click the “Get help signing in” link below the form.
  4. If you forgot your password but remember your username, enter your username in the field provided and follow the instructions to recover your password.
  5. If you don’t remember your username, click on the “I don’t know my username” link.
  6. Decide if you want to complete the process with your phone number or email address.
  7. Enter your phone number or email address.
  8. The website will send you your username.

Customer service

If you’re having trouble accessing your account online, you can contact US Bank by calling 800-USBANKS.

What are the benefits of the Kroger Rewards Mastercard?

You can earn 5% cash back, up to $3,000 in purchases, on mobile wallet purchases, 2% cash back at Kroger stores, and 1% cash back on all other purchases. There is no annual fee. You’ll save an additional $0.55 per gallon when you redeem at least 100 Kroger fuel points at Kroger gas stations for the first year.


The Kroger Rewards World Elite Mastercard gives you multiple ways to spend, earn rewards and manage your account. For many people, the most convenient way to manage funds is online. If this sounds like you, follow the steps above to bring Kroger account management simplicity to your life.

Kroger Rewards World Elite Mastercard FAQs

Some of the most common questions about the Kroger Rewards World Elite Mastercard include:
  • What is the Kroger Rewards World Elite Mastercard?
    • The Kroger Rewards World Elite Mastercard is the store credit card for Kroger. Although you earn more rewards when you use the credit card at Kroger stores, you can use the card anywhere Mastercard is accepted.
  • Can you use the Kroger Rewards World Elite Mastercard anywhere?
    • Yes, as long as the merchant accepts Mastercard.
  • Which bank uses Kroger Mastercard?
    • Kroger Rewards World Elite Mastercard accounts are issued by US Bank.

Information is accurate as of September 22, 2022.

Editorial note: This content is not provided by any entity covered by this article. Any opinions, analyses, criticisms, evaluations, or recommendations expressed in this article are those of the author alone and have not been reviewed, endorsed, or otherwise endorsed by any entity named in this article.