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U.S. Bank may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Account must be open and in good standing to earn and redeem rewards and benefits. Subject to credit approval. If approved, please refer to the Cardmember Agreement included with your card at the time of opening.

1 Offer applies to new cardmembers only. For a limited time only. Subject to credit approval. Must submit application, be approved for the Kroger Family of Companies Rewards World Elite Mastercard® and spend $500 in net purchases within 90 days of Account opening to automatically earn the $100 cash back.  Net purchases are purchases minus credits and returns.  The $100 cash back will be applied as a statement credit on your Account.  Please allow 6-8 weeks after the promotion period for your $100 statement credit to be credited to your Account.  Your Account must be open and in good standing to receive this bonus.  Upon approval, please refer to your Cardmember Agreement for additional information.

2 Subject to credit approval. 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). 
Upon approval, see your Cardmember Agreement for details.

3 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).

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