Frequently Asked Questions
- Getting Your Fred Meyer Rewards® MasterCard®
- Using Your Fred Meyer Rewards® MasterCard®
- Fred Meyer Rewards® Points
- Online Card Management
- Loss, Fraud, and Misuse
- Secure Online Purchasing
- Useful Numbers and Addresses
Getting Your Fred Meyer Rewards® MasterCard®
How do I apply for a Fred Meyer Rewards® MasterCard®?
To apply online, click here, or call the Fred Meyer Rewards® MasterCard® application hotline at 877-456-7750.
How long will it take to process my application?
In most cases, it takes 7 to 10 days. However, it may take up to 30 days to process your application.
What do I receive when my account is approved and opened?
In two separate mailings, you will receive:
- Your Fred Meyer Rewards® MasterCard® with your Credit Card Agreement and Account Opening Disclosures
- Your Fred Meyer Rewards® MasterCard® Welcome Pack
Do I have to activate my card?
Yes, your account becomes active once you call 888-313-5464 from the phone number that you provided on your application to confirm receipt. You will not be able to use your new card(s) until you make this call and confirm receipt of your card(s).
Can I have a second cardholder on my account?
You can have additional authorized users (not joint account holders) with cards on your account. Your additional authorized users will share your credit limit, and you'll be responsible for all of their transactions. We'll only take instructions from you, the principal cardholder, but we can give out information to the other cardholders on your account. Please keep in mind that you will need to call to activate your additional cardholders' cards.
I haven't received my card yet; whom should I contact?
If you haven't received your Fred Meyer Rewards® MasterCard® within 30 days of submitting your application, please call us at 888-326-9565.
Back to TopUsing Your Fred Meyer Rewards® MasterCard®
Can I transfer my balance from more than one of my existing cards?
Yes, you can transfer balances from other credit and store cards, up to your credit limit, and as long as each balance transfer request is for more than $100. Fees apply.
Does transferring a balance automatically close my other account?
No, you must contact the other card company in writing.
Can I use my Fred Meyer Rewards® MasterCard® to pay monthly bills automatically?
Yes, monthly bills (such as membership dues, utilities, cell phone service, Internet service, cable TV, and subscriptions) can be paid automatically with your Fred Meyer Rewards® MasterCard®. Just call your providers directly to set up these automatic payments, and to find out details about making payments with a credit card.
Save yourself the hassle of mailing multiple checks and keeping track of all of those due dates, and you'll earn reward points because those payments count as purchases! These automatic payments are a great way to make your reward points add up fast—and you'll only have to make one payment each month to your Fred Meyer Rewards® MasterCard® account.
How do I get cash with a Fred Meyer Rewards® MasterCard®?
You need a Personal Identification Number, or PIN. To request a PIN for an existing account, call Customer Service at 888-325-9565.
You can obtain a cash advance at any ATM that accepts MasterCard®—just like you would use a regular ATM card. Also, some banks that accept MasterCard will give you a cash advance at the teller window.
Cash advances are calculated at the APR disclosed in your Credit Card Agreement from the transaction date (there is no grace period on interest and you will pay a cash advance fee and finance charges). Cash advances do not earn Fred Meyer Rewards® points and cannot exceed the cash limit as shown on page one of your statements.
What if I forget my PIN?
If you do not remember your PIN, you should call Customer Service to request a new, randomly selected PIN. For security purposes, Customer Service does not issue the PIN to you over the phone. You should receive your new PIN within 7 to 10 business days of your request.
How can I make a name change on my account?
If you would like to make a name change on your account, please mail us a signed letter (printed or typed) to Customer Service that includes your account number, old name, new name, signature, and the reason for the change. For name changes, the cardholder must provide legal documentation, such as a marriage license or a divorce decree. Send your request and documentation to:
Fred Meyer Rewards® MasterCard® Customer Servicec/o Kroger Personal Finance
P.O. Box 18211
Bridgeport, CT 06601-3211
How do I make a phone number or address change?
Simply call Customer Service at 888-325-9565.
Can I use my card on the Internet and is it safe?
Yes, you can use your card on any site that accepts MasterCard. Your details should be safe as long as you're using a secure website. Please check with your vendor (i.e., Internet service provider, website administrator) regarding the security measures of their website.
What should I do if I have a problem with a purchase, such as a damaged product or non-delivery?
In order for you to preserve your rights, we must receive a written notification from you within 60 days after we mailed you the first statement containing your purchase transaction. The notice must include your name, address, account number, description of the problem with your purchase, and copies of documents supporting your claim. Please mail your notice to us at:
Fred Meyer Rewards® MasterCard® Customer Servicec/o Kroger Personal Finance
P.O. Box 18211
Bridgeport, CT 06601-3211
Back to Top
Fred Meyer Rewards® Points
How do I earn Fred Meyer Rewards® points?
When you shop at Fred Meyer®, you earn a total of two points for every $1 you spend. And, you earn one point for every $1 you spend everywhere else MasterCard® is accepted.*
* Some restrictions apply. Please refer to the Credit Card Agreement that you received with your Fred Meyer Rewards® MasterCard® for details.
What are Fred Meyer Rewards® points worth?
For every 500 points you earn, you'll receive a Fred Meyer Rewards® voucher for 1% of the total points earned; 500 points = a $5 rebate.
How often will I receive a Fred Meyer Rewards® mailing?
Fred Meyer Rewards® vouchers are issued four times a year.
Where can I use my Fred Meyer Rewards® vouchers?
You can redeem your Fred Meyer Rewards® inside any Fred Meyer store.
How long do I have to redeem my Fred Meyer Rewards® vouchers?
The expiration date is printed on the rebates and must be used during the next point cycle.
Can I redeem my Fred Meyer Rewards® vouchers for cash?
Fred Meyer Rewards® vouchers have no cash value and may only be used to purchase selected merchandise at Fred Meyer stores. Purchases must exceed the value of your Rewards vouchers, as we cannot give you cash back.
Are my Rewards points affected when I return merchandise?
Because you earn Rewards points for purchases, the points you earned for a purchase you return will be subtracted from your point total.
Back to TopFred Meyer Rewards® ONLINE
What is Fred Meyer Rewards® ONLINE?
Fred Meyer Rewards® ONLINE is a free service that gives you the convenience and flexibility to manage your Fred Meyer Rewards® MasterCard® account online. You can log on from any computer, anywhere in the world and pay your bill, view your account information, and view/download transactions.
How up-to-date is my account information online?
Your current balance and available credit are updated on the next business day.
How secure is Fred Meyer Rewards® ONLINE?
It's a totally secure website and only you have access to your account information. Create your own password and username, and keep them private. Also make sure you log off immediately after every use.
Can I use Fred Meyer Rewards® ONLINE when I'm traveling?
Yes, you can access the service from any Internet connection.
Can I still receive my statements by mail?
Yes. Fred Meyer Rewards® ONLINE is simply a feature designed to make using your Fred Meyer Rewards® MasterCard® even more convenient.
Back to TopLoss, Fraud, and Misuse
We strongly advise that you never write down or tell anyone your Fred Meyer Rewards® MasterCard® PIN number.
What should I do if my Fred Meyer Rewards® MasterCard® is lost or stolen?
If your card is lost or stolen, or if you suspect that someone has obtained access to your account, immediately call Fred Meyer Rewards® MasterCard® Security anytime at 888-354-5464.
Customer Service will cancel the account, issue a new card, and establish a new account number immediately. You are not responsible for any transaction resulting from a lost or stolen card once you have notified us. Your Fred Meyer Rewards® MasterCard® point balance will be transferred onto your new card.
If a payment appears on my statement that I did not authorize or I'm unsure about something on my statement—what should I do?
If you don't recognize a transaction on your statement, let us know immediately. If you have eliminated all possibilities, such as a telephone or mail-order transaction, or perhaps one made by your additional cardholder, we will investigate and get back to you as soon as possible. Call us immediately at 888-354-5464.
In order for you to preserve your rights, we must receive written notification of the dispute from you within 60 days after we mailed you the first statement containing your purchase transaction. The notice must include your name, address, account number, description of the problem with your purchase, and copies of documents supporting your claim. Please mail your notice to us at:
Fred Meyer Rewards® MasterCard® Customer Servicec/o Kroger Personal Finance
P.O. Box 18211
Bridgeport, CT 06601-3211
What happens if my Fred Meyer Rewards® MasterCard® is lost or stolen when I'm on vacation/holiday?
Call us at 888-354-5464. If you are abroad, you can also report the loss to MasterCard directly, or to any bank displaying the MasterCard logo, and confirm the loss to us immediately upon your return.
Back to TopSecure Online Purchasing
What is Secure Online Purchasing?
The Secure Online Purchasing feature of your card provides online security to help prevent fraud on your account. It has been developed in conjunction with MasterCard SecureCode™ to reduce fraudulent online purchases. For a list of participating merchants, visit www.mastercard.com.
How does Secure Online Purchasing work?
Secure Online Purchasing is an extra layer of security that verifies that the actual cardholder is making an online purchase at participating merchants. It does this by confirming a SecureCode password chosen by and known only to the cardholder.
What does Secure Online Purchasing cost?
Secure Online Purchasing is free to all Fred Meyer Rewards® MasterCard® account holders.
How do I enroll for Secure Online Purchasing?
You can click here or follow the prompts that appear when you make your first three purchases using your Fred Meyer Rewards® MasterCard® at participating merchants.
You will be asked to select your personal SecureCode when you enroll. When you make your online purchase, we send a pop-up message to your computer, prompting you to enter your SecureCode. Secure Online Purchasing then confirms your SecureCode and your transaction is complete.
Back to TopUseful Numbers and Addresses
Customer Service
Customer Service for callers with an account number, call 888-325-9565 (4 a.m. to 10 p.m. PST). For callers who do not yet have an account number, call 888-326-9565 (5 a.m. to 8 p.m. PST).
Alternatively, write to us, quoting your account number if you already have one, at:
Fred Meyer Rewards® MasterCard® Customer Servicec/o Kroger Personal Finance
P.O. Box 18211
Bridgeport, CT 06601-3211
Bill Payments:
c/o Kroger Personal FinanceP.O. Box 42022
Providence, RI 02940-2022
Lost or Stolen Cards:
Call us anytime at: 888-354-5464.
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