Sign up for a Smith's REWARDS World Mastercard® to boost your budget.

Save instantly on fuel and groceries every time you spend. Fill up your fridge - and your car - for less than you thought. Read our FAQs to find out more about the Smith's REWARDS World Mastercard® - and see where your savings could take you.

Savings on fuel and groceries
How to Apply
Yes. If you do not currently have a Shopper’s card number with your Kroger Family of Companies, one will be assigned to you.
Yes. Plus, you can request to add an authorized signer to your Smith's REWARDS World Mastercard® account so your spouse can use the card too.
Please call 800-947-1444 and choose option 1 for the status of an application. For your security, you will be required to enter your social security number to locate the application. Additional verification item(s) may be needed to validate.
In most cases, when applying online you will receive the status of your application immediately. If you're approved, your card should arrive in 7-10 business days. Length of time varies depending on individual credit status, address verification and card processing time.
Once you receive your card in the mail, call 888-200-9959 to activate.
Member Benefits
Visit our Smith's REWARDS World Mastercard® benefits page to learn more.
Visit our Smith's REWARDS World Mastercard® benefits page to learn more.
You can view your earned Rewards Points by logging into Online Banking. Learn more about Online Banking.
Rewards Points are earned at time of purchase and will be reflected on your account after the transaction posts. You can view earned Rewards Points in Online Banking. Learn more about Online Banking. For every 1,000 points you earn, you will receive a $5 1-2-3 Rewards® certificate.
1-2-3 Rewards® certificates are issued four times a year and mailed to customers in February, May, August and November if your Account is open and in good standing. Remaining points, less than 1,000, will roll over into the next cycle.
Yes, after 36 months your points do expire.
You can redeem your 1-2-3 Rewards® certificates at any of the Kroger Family of Companies.
Your 1-2-3 Rewards® certificates must be redeemed within one year of the date on the certificates.
1-2-3 Rewards® certificates have no cash value and may only be used to purchase selected merchandise at the Kroger family of Companies. Purchases must exceed the value of your 1-2-3 Rewards® certificates, as we cannot give you cash back.
Because you earn 1-2-3 Rewards® Points for purchases, the points you earned for a purchase you return will be subtracted from your point total.
Basic Card Facts
No. You can use the Smith's REWARDS World Mastercard® anywhere Mastercard is accepted. However, you do earn extra points by shopping at the Kroger Family of Companies Own Brand Products.
Yes. You can use your Smith's REWARDS World Mastercard® with a Personal Identification Number (PIN) for cash advances at ATMs that accept Mastercard. Cash advances do not earn Rewards Points.
The APR is competitive for credit cards that offer rewards. Keep in mind that you pay no interest on purchases (view terms and conditions) if you pay your bill in full by the payment due date each month.
You can access your Smith's REWARDS World Mastercard® account from any Internet-enabled computer.
Learn more about Online Banking.
Yes. Your Smith's REWARDS World Mastercard® is your Shopper’s card, Mastercard, and rewards card all in one.
Additional Questions
Please visit our About Enrolling page to learn more about enrolling your account into Online Banking.
Your statement is designed to make it easy to view important information on your account. Learn more about reading your statement (PDF).1
Save an additional 25 per gallon of fuel for a year

Save an additional 25 per gallon of fuel for a year - Each time you redeem
100 Fuel Points.2

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