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Benefits

Earn cash back with the Mariano's Rewards World Elite Mastercard^®.¹

5% Cash back

on mobile wallet purchases for the first $3,000, then 1% thereafter

3% Cash back

on dining and fuel for the first $6,000, then 1% thereafter.

2% Cash back

Inside of our Stores

1% Cash back

Outside of our Stores

Earn $100 in Statement Credits when you apply, get approved and spend $500 on your Mariano's Rewards World Elite Mastercard^® on eligible purchases² the first 90 days
No annual fee view terms and conditions.
Earn Cash Back with every eligible net purchase¹
Refer a Friend and earn 2,000 Rewards Points. Get Started!

Apply Now for the Mariano's Rewards World Elite Mastercard®

Travel & Lifestyle Benefits

As a World Elite Mastercard^® cardholder, gain access to Mastercard Travel & Lifestyle Services, a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in class travel companies across hotels, air travel, tours, cruises, car rentals and more.

No Foreign Transaction Fees³ on purchases made when you travel abroad or shop online in another country.

Lowest Hotel Rate Guarantee⁴ if you book a qualifying prepaid hotel rate through Mastercard Travel & Lifestyle Service and you find the same exact hotel stay for less, Mastercard will refund the difference.

Complimentary professional travel services.⁵ You have access to a Lifestyle Manager that will help you plan your vacation - complimentary, at your convenience. Call, email or live chat with a Lifestyle Manager 24/7/365 to help with all your travel.

Emergency Benefits

Mastercard Global Service™. Get assistance virtually anytime, anywhere with your card related questions. Call 1-800-MC-ASSIST or 1-800-622-7747. Mastercard Global Services helps you with reporting a Lost or Stolen Card, obtaining an Emergency Card Replacement or Cash Advance, finding an ATM location, and answering questions on your account.

Zero fraud liability. ⁶ Pay only for purchases which you have authorized on your Mastercard. Unauthorized purchases are not your responsibility. Conditions and exceptions apply.

24-hour service

Enhanced Security

Mastercard ID Theft Protection™⁷ Mastercard ID Theft Protection (IDT) provides you with access to a number of identity theft resolution services, should you believe you are a victim of identity theft. This product offering will alert you about possible identity theft by monitoring the surface, dark and deep web, searching for compromised credentials and potentially damaging use of your registered personal information in order to detect fraud at its inception. Services provided are on a 24-hour basis, 365 days a year. You must enroll at: https://mastercardus.idprotectiononline.com

View the World Elite Mastercard Guide to Benefits

Everyone wins with Friends

Earn even more when you share with your friends. Get bonus Rewards Points for yourself when you refer your Friends.

What you get
Earn an additional 2,000 Rewards Points for every Friend you refer who applies, is approved and makes a first purchase. No limits on the number of friends, so invite everyone.⁸

What your friend gets
Will earn a $100 statement credit once approved and makes their first purchase within the first 90 days.⁹

Get started referring friends for the Mariano's Rewards World Elite Mastercard^®

Mariano's Rewards World Elite Mastercard^®

Apply now for the Mariano's Rewards World Elite Mastercard^®

¹ 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 eligible for Cash Back rewards such as Advances, Balance Transfers, and Convenience Checks. You may not redeem rewards, and you will immediately lose all of your rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Rewards expire after 36 months. Rewards are only available for redemption if your Account is open and in good standing. Earn 3% cash back up to $6,000 per calendar year for all transactions a merchant classifies as Restaurants, Bars, Fast-Food, and Fuel Stations, including Kroger Fuel Centers. U.S. Bank cannot control how merchants choose to classify their business or transactions and reserves the right to determine which - purchases will qualify. Earn 5% cash back on mobile wallet transactions (excluding Kroger Pay) up to $3,000 per calendar year. After your annual spend is met, you will receive 1% cash back on eligible dining, fuel and mobile wallet purchases through the remainder of the calendar year. "Mobile wallet" is defined as the method of paying for a transaction by use of a mobile device (in a store, in-app or online) and includes Apple Pay®, Samsung Pay, Google Pay™, Garmin Pay™ and LG Pay®. If the transaction is an eligible mobile wallet transaction and an eligible cash back rewards category transaction, additional cash back rewards will only be awarded for the mobile wallet transaction types. Once you earn a minimum of $10 in Rewards you can redeem your cash back via a statement credit or Real-Time Rewards. Earn a minimum of $25 in Rewards to redeem for a Kroger Family of Companies Gift Cards. Upon approval, see your Cardmember Agreement for details.

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² Offer applies to new cardmembers only. For a limited time only. Subject to credit approval. Must submit application, be approved for the Mariano's 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.

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³ The APR may vary, the variable APR for purchases and Balance Transfers is 19.24% to 29.99% (based on your creditworthiness). The variable APR for Cash Advances is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 4% of each check amount, $10 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 4% of each transfer amount, $10 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: $0.

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⁴ Mastercard Lowest Hotel Rate Guarantee: If you book a qualifying "prepaid hotel rate" or "pay at local hotel rate" hotel stay through the Mastercard Travel & Lifestyle Services program either online or through an authorized program agent using your Mastercard and then find the same hotel room type, in the same hotel, for the same dates, the same number of children and adults, at a lower price online, before taxes and fees, we'll refund you the difference. To receive a refund, you must submit a claim as described in the Terms and Conditions prior to your stay and at least seventy-two (72) hours before the date of your reservation check-in.

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⁵ Certain terms, conditions and exclusions apply. Visit https://travel.mastercard.com for full details. Mastercard Travel & Lifestyle Services are provided by Ten Lifestyle Management Ltd. No travel bookings are being made by Mastercard, nor is Mastercard acting as a travel agency or providing any travel consultation or advice, in connection with Mastercard Travel & Lifestyle Services.

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⁶ U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

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⁷ Certain terms, conditions, and exclusions apply. Cardholders need to register for this service. This service is provided by Generali Global Assistance Inc. Please refer to your Guide to Benefits, visit mastercardus.idprotectiononline.com or call 1-800-MASTERCARD (1-800-627-8372) for details.

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⁸ You cannot earn Refer a Friend 2,000 Bonus Rewards Points by referring someone who is already a Kroger Family of Companies Rewards World Elite Mastercard^® Cardmember or an applicant who has been referred by someone else. Please allow 6-8 weeks after the referred application is processed to receive confirmation of your Bonus Rewards Points. A bonus confirmation will appear in the Rewards section of your Kroger Family of Companies Rewards World Elite Mastercard^® statement. Your account must be open in good standing to be eligible for the bonus. Due to confidentiality, sponsors cannot be notified, either in writing or by phone, as to which referrals have been approved for the Kroger Family of Companies Rewards World Elite Mastercard^®. Should U.S. Bank determine that the referral bonuses you receive constitute reportable income, their value will be reported to you and the IRS on form 1099. You are responsible for any federal or state taxes owed on referral bonuses. Consult your tax adviser should you have questions about the taxability of this promotion.

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⁹ For new cardholders only. For limited time only. Subject to credit approval. Must submit application, be approved for the Kroger Family of Companies Rewards World Elite Mastercard^® and make a first purchase within the first 90 days with your Kroger Family of Companies Rewards World Elite Mastercard^® to earn the $100 statement credit. Please allow 6-8 weeks after the promotion period for your statement credit to be awarded. A statement credit will appear on your Kroger Family of Companies Rewards World Elite Mastercard^® billing statement. Your account must be open and in good standing to receive this bonus.

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