Planning ahead for your Kroger points
Lifetime transfer options and steps to take now for The Kroger Co. points
Kroger Customer Service
Kroger Customer Service (no dedicated estates channel published)
Under The Kroger Co.'s policy, points have no value after death. Every strategy for preserving Kroger points depends on steps taken while the account holder is alive.
Kroger offers household Shopper's Card account linking. Its Digital Account FAQ states: "We offer household Shopper's Card account linking. This will allow you to combine your coupons, Fuel Points and rewards with others that reside in your household. Shoppers must share the same address and purchase items for that household. Please call us at 800-576-4377 (1-800-576-4377) to have your accounts linked." The link is requested by the member on that line rather than applied automatically, the published condition is a shared address, and the poolable set is coupons, Fuel Points and rewards. It does NOT extend to the Cash Back Offer rewards balance: the Cash Back Offer Rewards Program Terms provide that the balance "cannot be combined with Cash Back Rewards of any other member or participant in the Program." To unlink, Kroger directs members to call the same number: "If someone in your household is moving to a different address, please call us at 800-576-4377 (1-800-576-4377) to have the account disconnected." This is pooling among same-address household members, not a transfer of the account or the balance to an outside person.
How to protect your Kroger points
6 lifetime planning steps for your Kroger points:
Should you save your passwords for your family?
Some people store account passwords so a family member can sign in later. The practice has three practical limits:
- Two-factor authentication often blocks it. Most accounts require a second factor — a code sent to a phone, an authenticator app, a passkey, or a physical key. A saved password alone frequently does not grant access, and the recovery codes that would are easy to lose or let go stale.
- It usually conflicts with the platform's terms. Most operators prohibit account sharing and signing in as another person, including after a death. Stored credentials are not the operator's recognized access path, and using them can violate the terms of service.
- Operators provide other paths. Where an operator offers a designation tool — Apple's Legacy Contact, Google's Inactive Account Manager, a beneficiary designation — that mechanism grants access the operator recognizes. A password manager's own emergency-access or legacy feature passes credentials through a controlled process. Digital assets named in a will or trust give a fiduciary authority under each state's Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA).
Frequently asked questions
Treat Fuel Points, Cash Back rewards, and the Boost membership as benefits to use while you are alive, not as estate value: they are not transferable to an outside person, Kroger publishes no beneficiary designation, and its Cash Back terms provide that the balance is not your property and cannot be divided as part of a settlement, legal proceeding or death. Cash out the Cash Back balance rather than letting it accumulate, and redeem Fuel Points before they expire. If you want a partner or family member to keep benefiting, call 1-800-576-4377 and have their Shopper's Card linked to your same-address household. Record your Shopper's Card number or Alt ID with your estate planning documents, and note any paid Boost membership so it can be cancelled.
An inventory listing the Kroger account lets a fiduciary identify it and act on it through the operator's official channels.
Kroger does not support beneficiary designations. Unlike financial accounts, there is no way to name a beneficiary on this type of account.
Sources
Data sourced from The Kroger Co. primary sources (7 pages reviewed). How we research.
Kroger Customer Service
Kroger Customer Service (no dedicated estates channel published)
Is this your situation?
Get a complete guide for your specific circumstances.
New Baby or Adoption
Your family is growing. Your protection should too. Guardian nominations, trusts for minors, beneficiary updates, and the documents new parents need in place.
Learn more
Marriage
What married couples need in place: one joint trust or two, wills, beneficiary updates, and the spousal rights your state grants you automatically.
Learn more
New Home
How to put your house in a revocable trust: the deed you record, what it does to your mortgage and property taxes, and when a TOD deed is simpler.
Learn more
Retirement
Retirement changes your financial picture. Healthcare directives, beneficiary reviews, long-term care planning, and protecting what you've built.
Learn moreMore estate planning resources
Explore related tools and documents to complete your estate plan.
How Much Does Probate Cost?
Estimate attorney fees, executor fees, court costs, and timeline for probating an estate in your state. See if the estate qualifies for simplified probate procedures.
Who Inherits Without a Will?
Find out who inherits your estate and how much they get if you die without a will. Based on your state's intestate succession laws.
How Much Are Estate & Inheritance Taxes?
Calculate federal estate tax, state estate tax (12 states + DC), and inheritance tax (5 states) for an estate or trust.
What Does Estate Planning Actually Cost?
See the true cost of estate planning. Compare SimplyTrust, Trust & Will, LegalZoom, and attorneys including life events like marriage, divorce, and having children.
How Much Does a Revocable Living Trust Cost?
Compare the cost of creating a revocable living trust. See how SimplyTrust, Trust & Will, LegalZoom, and attorneys compare over 5 years including life events.
How Much Does a Will Cost?
Compare the cost of creating a will. See document costs plus probate fees your heirs will pay. Compare SimplyTrust, Trust & Will, LegalZoom, and attorneys.
