¹ _{Cash Back: Cash Back rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Rewards expire after 36 months. Rewards are only available for redemption if your Account is open and in good standing (not past due or overlimit). Purchases qualify for cash back based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Rewards can be redeemed via Real-Time Rewards when you make an eligible purchase of $10 or more at Kroger Family of Companies or via statement credit when 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).}

² _{Kroger Pay: Kroger Pay non-fuel transactions earn 5% cash back on the first $3,000 in purchases each calendar year and 2% on amounts above that. Kroger Pay transactions at Fuel Centers, combined with any dining and other fuel station transactions, earn 3% on the first $6,000 spent each calendar year and 1% on amounts above that. Mobile wallet transactions (excluding Kroger Pay) earn 5% on the first $3,000 in purchases each calendar year and 1% on amounts above that, regardless of where the transaction was made, including Kroger Family of Companies locations. "Mobile wallet" means Apple Pay®, Samsung Pay, Google Wallet®, and Garmin Pay™. Unlike Google Wallet®, Google Pay® may not qualify as a mobile wallet and earn additional cash back, depending on how the transaction is completed. We cannot control how mobile wallet transactions are designated and reserve the right to determine which purchases qualify for additional cash back. If a Kroger Pay or Mobile Wallet transaction might also qualify as a rewards category transaction, then the card issuer has sole discretion on how to categorize the transaction. “Calendar Year” is defined as the period of time starting with your January statement (which may include transactions made in December) and running through your December statement (which may not include all transactions made in December).}

³ _{Boost: Boost offer applies to new Kroger Family of Companies Rewards World Elite Mastercard® cardmembers and existing Kroger Family of Companies Rewards World Elite Mastercard® cardmembers. Must enroll for Boost Membership and provide payment information to activate your membership and receive free Next-Day Boost membership. If you choose the $99/year Same-Day Boost membership, you will receive a $59 waiver upon enrollment. If you close your Kroger Family of Companies Rewards World Elite Mastercard® account, you will be charged for the annual Boost membership if you don’t cancel prior to the end of your membership period. You can cancel any time by visiting your membership page. If you decide to cancel, your current Boost benefits will be available until the end of your membership period. Only one free Boost membership per household. Offer cannot be used for payment of current Boost membership. $35 order minimum. Restrictions apply. Subject to availability. Delivery time not guaranteed. See The Kroger Family of Companies website for more information regarding Boost membership.}

_{$1 in spending = 1 Fuel Point + 1 bonus Fuel Point on qualifying purchases made in-store, curbside pickup, and delivery. Gift cards, adult beverages, tobacco products, pharmacy prescriptions, Booth Service, Kroger Ship, The Little Clinic, Fred Meyer Direct, Fred Meyer Jewelry, Vitacost, homechef.com, murrayscheese.com, Fuel purchases, and receipt message survey invitations are excluded from Boost Fuel Points Benefits. Fuel Points can be redeemed at participating fuel locations.}

⁴ _{No Annual Fee: View Full disclosure https://applications.usbank.com/pdap/terms?locationCode=18609&offerId=3GB194598B&sourceCode=41847}