Estate planning as a Kroger account holder

Kroger runs a grocery loyalty program built around the Kroger Plus / Shopper's Card (or Alternate ID). A single loyalty account holds several estate-relevant items: a Kroger Points balance (the program was renamed from Fuel Points in June 2026, and Points now redeem for dollars off groceries as well as cents off per gallon at Kroger Fuel Centers and Shell stations), digital coupons loaded to the Card, any Cash Back Offer rewards balance, and a paid Boost membership for delivery and bigger fuel savings. All of these are tied to the loyalty account and are not transferable to an outside person, and Points expire on the last day of the month after they are earned. Kroger connects accounts that share the same address and last name into a loyalty household, which is the practical way the savings continue to benefit a surviving household member.

When a Kroger account holder dies, their points are forfeited. The program's terms state that points do not constitute property of the account holder and cannot be transferred upon death, by operation of law, or through estate planning documents.

Members can share points through Kroger's family or pooling feature. Kroger permits one Kroger Plus membership per customer and connects accounts that share the same street address and last name into a single loyalty household. Members of that household can combine their digital coupons, Points, Cash Back balance, and rewards. To connect an account to another at the same address, or to disconnect one, Kroger directs members to call 1-800-KROGERS (1-800-576-4377). Boost membership benefits are likewise available only to the member and immediate household members who live at the same address and use the loyalty card or Alternate ID, and Kroger allows only one Boost membership per household during the same enrollment period (additional memberships in a household are refunded). This is pooling among same-address household members, not a transfer of the account or the balance to an outside person.

What happens at death

Kroger's loyalty assets are forfeited at death by default. Kroger publishes no deceased-account, bereavement, or estate-claim workflow for the loyalty program, and no beneficiary designation. The Points Program Terms provide that selling or purchasing Points is prohibited and that there is no cash back, and Kroger may modify or discontinue the program at any time without notice. Kroger's Cash Back Offer Rewards Program Terms state that a member may not redeem rewards and will immediately lose all rewards if the account is closed to future transactions, expressly including closure due to death. The Points balance is also short-lived on its own: Points expire on the last day of the month after they are earned (Points earned any time in March expire April 30) and monthly balances do not combine across months, so a balance can lapse within weeks whether or not anyone reports the death. A paid Boost membership is available only to the member and immediate household members living at the same address, auto-renews by default, and does not transfer outside the household. The one continuity path is Kroger's loyalty household: Kroger connects accounts that share the same street address and last name, and household members can combine digital coupons, Points, Cash Back balance, and rewards. That is household sharing among same-address members, not an estate transfer, and Kroger controls whether a connection is made.

Frequently asked questions