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 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.
How to protect your Kroger points
5 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 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 terms provide that rewards are lost when an account is closed due to death. Redeem Points before they expire at the end of the following month. If you want a partner or family member to keep benefiting, call 1-800-KROGERS (1-800-576-4377) and have their account connected to your same-address loyalty household. Record your Shopper's Card number or Alternate ID with your estate planning documents, and note any auto-renewing 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 (8 pages reviewed). How we research.
Kroger Customer Service
Kroger Customer Service (no dedicated estates channel published)
