Swipe Smart logo

Swipe Smart

Always pick the right card

☕️
🛍️

Kroger Rewards Guide

📊7 community entries

💳 Top 4 Credit Cards by Earning Rate at Kroger

CitiCustom Cash
5% cash backWith Bonus Earning
American ExpressGold Card
4X Membership Rewards points
ChaseSapphire Preferred
3X Ultimate Rewards points
CitiShop Your Way Mastercard
1% cash backWith Bonus Earning

Kroger

USA

Groceries

Bank & Card

USA flag

Citi Custom Cash

Date

2026-02-25

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

https://www.kroger.com

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Kroger

USA

Online Grocery

Bank & Card

USA flag

Chase Sapphire Preferred(Kroger Pay)

Date

2026-01-21

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Ultimate Rewards Points

Kroger

USA

Supermarkets

Date

2025-11-02

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD4X

Rewards

400 Membership Rewards Points

Kroger

USA

GroceryOnline Purchase

Bank & Card

USA flag

Citi Shop Your Way Mastercard(Kroger Pay)

Date

2025-10-09

Giftcard Purchased

Retail

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD1% Cash Back (With Bonus Earning)

Rewards

1000 Shop Your Way Points

Kroger

USA

Online Grocery

Bank & Card

USA flag

Chase Sapphire Preferred(Kroger Pay)

Date

2025-09-10

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

15.13 USD3X

Rewards

45.39 Ultimate Rewards Points

Kroger

USA

Groceries

Date

2025-08-18

Giftcard Purchased

DoorDash

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD4X

Rewards

400 Membership Rewards Points

Kroger

USA

Online Grocery

Date

2025-07-15

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.kroger.com/

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Ultimate Rewards Points

Quick Rewards Guide for Kroger

💡 Top Performing Card: The community-verified best credit card for Kroger purchases is the Citi Custom Cash. Transactions on this card consistently earn 5% cash back (With Bonus Earning) by coding in the "Groceries" category.

🔍 Merchant Category Coding (MCC): Kroger transactions most frequently code as "Groceries" (or sometimes "Online Grocery / Supermarkets / Online Purchase, Grocery"). Ensure your chosen card offers high multiplier rewards for this category to maximize your cash back or travel points.

💳 Maximize Online & App Bookings: For online or mobile app purchases at Kroger, checkout options like PayPal, Apple Pay, or purchasing digital gift cards can sometimes trigger alternative bonus categories (like 5% quarterly rotating categories) that outperform standard card multipliers.

Frequently Asked Questions

Q:What category does Kroger code as on credit cards?

Based on community data points, Kroger transactions primarily code under the "Groceries" category. However, coding can vary depending on whether the purchase is made online, through a third-party gateway, or via an app.

Q:Which credit card is best to use at Kroger?

The Citi Custom Cash is highly recommended, as it has been verified to earn 5% cash back (With Bonus Earning) on Kroger. Any card offering 3% or more cash back (or 3x points) on "Groceries" purchases will also deliver excellent value.

Q:Does Kroger code differently depending on the card network?

Yes, Visa, Mastercard, American Express, and Discover maintain separate merchant category databases. While Kroger usually codes as "Groceries" consistently, international purchases or transactions paid through digital wallets may experience slight category variations.