Discover This Lesser-Known Credit Card That Offers 5% Cash Back on Nearly Every Purchase

The Kroger Rewards World Elite Mastercard offers 5% cash back on mobile wallet purchases, up to $3,000 per year.

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You can earn 2% back on purchases made inside Kroger stores with this card.

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The card also provides 1% back on all other purchases.

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For general spending, using this card in a mobile wallet can earn up to $150 annually if you max out the $3,000 limit.

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Rewards can be redeemed as a statement credit with no minimum redemption threshold beyond $10.

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This card doesn’t have an annual fee and can be used anywhere Mastercard is accepted.

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It complements other cards well, filling gaps in bonus categories not covered by them.

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You need a Kroger Shopper's card number to apply for this Mastercard, which you can obtain for free with a Kroger membership.

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It doesn’t offer a welcome bonus but can still be valuable for maximizing cash back on mobile wallet transactions.

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The card is a strong addition to a multi-card strategy but might not be the best for a single-card approach.

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