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The
home
Rewards Mastercard® is operated by Imprint Payments, Inc.
No impact to your credit score to see if you're approved.†
The Harris Teeter Rewards Mastercard® is operated by Imprint Payments, Inc.
No impact to your credit score to see if you're approved.†

Earn up to 5x Points With Harris Teeter

‍.*

Introducing the Harris Teeter Rewards World Elite Mastercard®

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The Harris Teeter Rewards Mastercard® is operated by Imprint Payments, Inc.

No impact to your credit score to see if you're approved.†

Earn unlimited points that never expire.‡

for active cardholders.

on pickup and delivery.*

Kroger

pickup and delivery

Every time you order on

Kroger.com

or in the app, you earn 5X points.* Free pickup and next-day delivery included.*

at our fuel pumps.*

Kroger

fuel pumps

Every fill-up at

Kroger

earns 4X points.* Plus, stack additional fuel savings from

Kroger

promotions on top.

in our stores.*

Kroger

stores

Every aisle counts, including Pharmacy, Deli, Bakery and General Merchandise, at any of The Kroger Co. Family of Stores.*

on dining, utilities, and travel.*

Restaurants, takeout, your monthly bills and travel. Your life beyond the store earns toward your next

Kroger

trip.*

Earn 1 point for every $1 spent on all other eligible purchases*

Welcome Bonus^

spend $750 outside of Harris Teeter transactions within 90 days

Birthday Reward§

one reward annually

Points never expire‡

for active cardholders

your points now go further.

Choose to redeem for dollars off groceries or savings at the pump.

Apply Now
The Harris Teeter Rewards Mastercard® is operated by Imprint Payments, Inc.
No impact to your credit score to see if you're approved.†

Get HT Plus free.

Members get exclusive savings and free next-day delivery on orders of $35 or more.*

including Mastercard World Elite benefits.1

Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+ discounts.2

Take just three rides with Lyft in a month, you’ll get a $5 Lyft credit once per month to put towards your next ride.3

Mastercard Travel Rewards

Browse exclusive Mastercard benefits, book travel, get hotel upgrades, and more.4

Protection whenever you shop

With Mastercard Zero Liability protection you're protected against unauthorized transactions in stores, online and in app.5

daily life & family

Cell Phone Protection

Pay your monthly cell phone bill with your card and get up to $800 in coverage for damage or theft.

Extended Warranty

Doubles the manufacturer warranty on eligible purchases by up to one additional year.

Purchase Assurance

New purchases are covered against damage or theft for 120 days from the date of purchase.

Theft Protection

Monitoring, alerts, and resolution services to help protect your identity and personal information.

travel

Trip Cancellation / Interruption Insurance

Coverage up to $10,000 per trip if your travel is cancelled or interrupted due to covered events.

Baggage Delay Insurance

Covers essential purchases if your bags are delayed 6+ hours on a covered trip.

Rental Car CDW

Collision damage waiver on rental cars when you decline the rental company's coverage and pay with your card.

Travel & Lifestyle Concierge

24/7 concierge service for travel bookings, restaurant reservations, and lifestyle requests.

claim your $100 Welcome Bonus.^

Spend $750 outside of Harris Teeter transactions within 90 days of opening an account to receive your bonus.^
Apply Now
The Harris Teeter Rewards Mastercard® is operated by Imprint Payments, Inc.
No impact to your credit score to see if you're approved.†
Apply Now
The
home
Rewards Credit Card is operated by Imprint Payments, Inc.
No impact to your credit score if you're approved.†

This card is issued by First Bank & Trust, Brookings, SD pursuant to a license by Mastercard International Incorporated. Mastercard, the circles design, and World Elite Mastercard are registered trademarks of Mastercard International Incorporated. This credit card is managed by Imprint Payments, Inc.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
18.24% - 32.24%
How to Avoid Paying Interest
Minimum Interest Charge
For Credit Card Tips from the Consumer Financial Protection Bureau
Fees
Annual Fee
$0.00

* See Imprint Rewards Program Terms and Conditions and Cardholder Agreement for more information.

^ Valid one time only for new cardholders. Offer cannot be combined with other promotions. Earn a $100 Harris Teeter reward after $750 in net spend on the card outside of Kroger Channels within 90 days of opening an account. Qualifying purchases exclude balance transfers, cash advances, fees, and returned items. Reward is redeemable for eligible grocery purchases only; cannot be applied toward fuel purchases. Reward will expire after the end of the second month following the month in which it is issued. See Imprint Rewards Program Terms and Conditions for details.

† If you accept an offer Imprint will conduct a hard credit pull which may impact your credit score.

‡ Points earned using the Harris Teeter Rewards Mastercard® do not expire while your account remains active and in good standing. An account is no longer active after 12 consecutive months with no settled transactions, or upon account closure. See Imprint Rewards Program Terms and Conditions for details.

§ One (1) $10 Birthday Reward per calendar year per eligible account. Valid for primary cardholder only. Reward is redeemable for eligible grocery purchases only; cannot be applied toward fuel purchases. Reward is credited to your Harris Teeter account within 30 days of your birthday. Reward will expire after the end of the second month following the month in which it is issued. See Imprint Rewards Program Terms and Conditions for details.

  1. See World Elite Mastercard Credit Card – Premium Travel and Lifestyle Benefits | Mastercard US for details.
  2. Offer begins on September 1, 2025 and expires on January 31, 2027. Eligible Mastercard US Credit cardholders, and Mastercard US Debit cardholders who are new Instacart+ subscribers can receive 3 months of free Instacart+. Eligible US Mastercard® credit cardholders who are new or existing Instacart+ customers and all Mastercard US debit cardholders who are new to Instacart+ as of September 1, 2025 can receive $10 off on their second qualifying order of $10 or more, each month while customer remains an Instacart+ member. Service fees, other fees, taxes and/or tips may apply to deliveries. Additional terms apply. For full terms and conditions please visit www.instacart.com/p/mastercard-offer.
  3. Through 1/31/2027, earn a $5 Lyft credit for each month that you take 3 qualifying Lyft rides in the U.S. using your World, World Elite, or World Legend Mastercard. Additional terms apply. For full terms and conditions please visit www.lyft.com/mastercard.
  4. Mastercard Travel Rewards Terms and Conditions apply.
  5. These are summary descriptions only. Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit mastercard.com/zeroliability. Contact your issuing financial institution for complete coverage terms and conditions or call 1.800.Mastercard (1.800.627.8372) for assistance. Applicable to U.S. cardholders only.