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.

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 will 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 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 - Each time you redeem
100 Fuel Points.2

Skip to Legal Disclosures

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.

©2018 U.S. Bank National Association. All rights reserved.

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information.


1 Adobe Reader Version 4.0 or higher is required to view PDFs.
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2 Offer applies to new cardmembers only. Discount is available at Kroger Family of Companies Fuel Centers when you redeem at least 100 existing fuel points earned in a single month. Must be approved for the 1-2-3 REWARDS® World Mastercard® to qualify for this offer. You must scan, redeem points and pay with your 1-2-3 REWARDS® World Mastercard® in order to receive the fuel discount. Additional 25¢ discount offer expires one year from the cardholder’s approval date. Upon expiration, cardholder will receive additional 5¢ fuel discount at Kroger Family of Companies Fuel Centers when they scan, redeem points and pay with their 1-2-3 REWARDS® World Mastercard®. Not valid with any other fuel offer. Accumulation excludes taxes, office services, alcohol, tobacco, fuel, prescriptions and any purchases prohibited by law. Fuel discount effective for a limited time at participating fuel center locations. Not valid in LA, MO or where prohibited by law. Purchases made at Kroger Family of Companies Fuel Centers do not earn Rewards Points. Please see store for fuel discount details and in-store spending requirements. Selling or purchasing fuel points is prohibited. Fuel redemption offer cannot be combined with any other discounts. No discounts to dealers, wholesalers, or fleet programs. No cash back. Not valid where prohibited by law. We may suspend or remove you from the fuel program due to violation of these terms or because of fraudulent activity or suspected fraudulent activity.
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