What should your credit score be to apply
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Kroger Credit Card
Kroger Credit Card
Info about Kroger Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards388Reviews55Q&AContactRewardsAPREditor ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
Rewards
Earn 5 points (5% cash back) per $1 spent on mobile wallet transactions (excluding Kroger Pay) up to $3,000 per calendar year.
Earn 2 points (2% cash back) per $1 spent inside Kroger Family of Companies (excluding Kroger Family of Companies Fuel Centers).
Earn 1 point (1% cash back) per $1 of net eligible purchases everywhere else.
Apply by September 1, 2022 to earn an additional $.55 off per gallon of fuel each time you redeem at least 100 fuel points at Kroger Fuel Centers for the first year and thereafter when you spend $6,000 in a calendar year once the additional $.55 discount has expired, you will receive a 25¢ discount for the remainder of that calendar year and for the entirety of the next calendar year, ending the following January 31.
Once you earn a minimum of $10 in Rewards you can redeem your cash back via a statement credit or Real-Time Rewards. Earn a minimum of $25 in Rewards to redeem for a Kroger Family of Companies Gift Cards.
APR on Purchases
15.49% - 28.49% (V)
Balance Transfer
APR: 15.49% - 28.49% (V)
Balance Transfer Fee
Editor's Take
Kroger Credit Card Pros & Cons
No membership fees
High rewards rate
Bonus categories
No foreign fee
No rewards bonus
No intro APR on purchases
No intro APR on balance transfers
Requires good/excellent credit
Kroger Credit Card's Additional Info
| cash advance fee | 5% (min $10) |
| cash advance APR | 28.49% (V) |
| foreign transaction fee | 0% |
| smart chip | Yes, chip-and-signature |
| max late fee | $41 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 24 days |
Travel and Lifestyle Benefits: gain access to Mastercard Travel & Lifestyle Services, a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in class travel companies across hotels, air travel, tours, cruises, car rentals and more.
Zero Fraud Liability and virtual assistance with Mastercard Global Service™.
Mastercard ID Theft Protection™.
Questions & Answers
Can't find what you are looking for? Submit your question about Kroger Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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How do I redeem my Kroger Credit Card points?
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What's the Kroger credit card cash advance limit?
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John Wittgap
Kroger cash advance limits are different from one cardholder to another, so you may want to look at your monthly statement for this one. Otherwise, call the number on the back of your card and the reps will inform you. They're really friendly.
What credit bureau do they pull from
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What credit bureau does Kroger credit card use for approval?
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thom Fotenberg
The Kroger card is a U.S. Bank credit card, and TransUnion is the most pulled by U.S. Bank. So make sure to check your TransUnion credit score before applying. It's free.
Does the $.25 discount show up on the receipt when using my Kroger credit card?
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Josh Fleischmore
Your Kroger Credit Card discount will show up on your receipt, as long as you redeem the 100 points.
Do I have to replace my Kroger Visa card to the Mastercard version?
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Phil Mango
No, you don't have to change to the Mastercard. Even if you did though, it's the same rewards program, so you shouldn't lose any points that you've accumulated.
Kroger Mastercard vs. Kroger Visa: Are they the same?
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Kim Rene
No, Kroger Mastercard and Kroger Visa are not the same.
Kroger Mastercard is a rewards Credit Card and Kroger Visa is a rewards Prepaid Debit Card.
Can I rent a car with my Kroger credit card?
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Blaire Mire
Sure. It is a Mastercard, so you've got plenty of places to use it.
I made a mistake on my application. How can I change it?
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Marcia Winters
If it's something serious, you should call them to rectify it on your file. The number's 877-373-6192.
Compare The Kroger Credit Card
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR15.49% - 28.49% (V)
Regular APR17.49% - 24.49% (V)
Regular APRSee Pay Over Time APR
Rewards Rate1 - 5 points / $1
Rewards Rate1 - 4 points / $1
Rewards Rate1 - 5 points / $1
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Kroger Credit Card Reviews
Share your insights and review the Kroger Credit Card
3.1
388 reviews
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1 Star Rating
I have a 123 rewards prepaid card...2 weeks ago I bought a recharge card to load the funds onto my personalized card however numbers were missing off of the card. I went back into the kroger and they call the most useless card services department. They had ne faxe in all my reciepts and everything showing that I purchased it. I did that. $500 is missing and they won't give it back!!! I am beyond pissed. Every day I call these people and get the run around...at first I was told 1 business day and then 4 business days, and then 8 business days. Now they say the don't even know, that I have to wait on the bank. That is MY money and they are liable for it, yet won't give it to me!!! I strongly advise EVERYONE to never use Kroger 123 rewards, or any of their affiliations which include US bank. They don't do anything to assist their customers. It looks like I am going to have to reach out to my lawyer at this point. Please save yourself a headache
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Oh yeah. Sounds just like my experience. If I could only have the mmoney I spent to reload this useless card...earned almost 2000 points..got nothing
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5 Star Rating
discounts on fuel and food
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5 Star Rating
I was a little skeptical about getting a credit card just for the rewards, but I have been nothing but pleased with my Kroger 1-2-3 Rewards card. I shop at Kroger all the time, so I figured why not? The card provides me with coupons and rewards that I can use when I go grocery shopping
It has been easy and pleasant to work with this credit card company. I have it connected directly to my online banking, so it is easy to make payments and manage my account. It is super convenient to have the Kroger rewards and my credit card connected so I only need one card to check out at the store!
Make sure to take full advantage of that 0% interest rate for the first 9 months! I highly recommend this card!
It has been easy and pleasant to work with this credit card company. I have it connected directly to my online banking, so it is easy to make payments and manage my account. It is super convenient to have the Kroger rewards and my credit card connected so I only need one card to check out at the store!
Make sure to take full advantage of that 0% interest rate for the first 9 months! I highly recommend this card!
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5 Star Rating
I absolutely love the Kroger 1-2-3 Rewards Visa Credit Card! It's very easy to apply for and has a ton of rewards and benefits compared to other credit cards and reward cards. Variable but low interest and a very wide range of benefits. Rewards points for Kroger-brand purchases, points for shopping at Kroger, and even points (though not as much) for shopping anywhere else. Add that onto a low 9-month intro apr and 5 dollars off for every 1000 points on groceries and these deals really add up as you go along.
If you're a constant Kroger customer, this card is perfect for you and has served me well. There are also travel and emergency assistance services available to you which can be a lifesaver if you find yourself stuck on the side of the road.
Even for a store-based card this card beats out a lot of the other entry-level cards. You should definitely apply.
If you're a constant Kroger customer, this card is perfect for you and has served me well. There are also travel and emergency assistance services available to you which can be a lifesaver if you find yourself stuck on the side of the road.
Even for a store-based card this card beats out a lot of the other entry-level cards. You should definitely apply.
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5 Star Rating
So far so good! The rewards on this card are fantastic if you shop regularly at Kroger stores. Plus, the rates are quite comparable to other cards. It's very convenient to just scan your Kroger Plus card with the same card you purchase your items, and bonus points for free groceries? Even better.
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5 Star Rating
I LOVE this card. I drive as part of my job and I can't count the number of gas stations I've been to where there's an option when you pay to enter your "Kroger Rewards" - so the card does you good even when you aren't shopping at Kroger. I like the fact that it's 3 cards in one, including a "regular" Visa card. The no annual fee makes it where there's really only positive things to say about this card. If you're shopping at Kroger I don't know why you wouldn't use this card...points on buying groceries (which you're going to do anyway), which turn into FREE groceries!
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3 Star Rating
This seems like a good card for people who do most of their grocery shopping at Kroger. The late fee looks normal, the interest rate is similar to other rewards cards I have, like the Citi Forward. The rewards look decent.
Personally I prefer a rewards card that doesn't tie me to one retailer.
Personally I prefer a rewards card that doesn't tie me to one retailer.
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1 Star Rating
Kroger has it name on it but has nothing to do with it
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I had the same discovery today in Palm Springs at the Sunrise and Ramon Ralphs store. I was trying to pay my card payment at the register and the manager just looked at me an stared because he couldn't or wouldn't accept my payment and instead wanted to charge me a western union fee to send the payment in! That is total B*llsh*I costing me a shipping fee to make a payment! Crappy Card and Ralphs personnel are pretty much illiterate!
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Right..it's a huge scam!!!
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5 Star Rating
CARD IS GREAT IT GIVES EXCELLENT REWARDS , I SHOP AT KROGER AND I BUY GAS AT KROGER . WE RECEIVE REWARD CHECKS FROM THEM AT KROGER FOOD MART.WE ALSO GET COUPONS EVERY WEEK FROM KROGER DUE TO USE OF THE CARD.
WE GAT DISCOUNTED GAS EVERY MONTH DUE TO POINTS WE RECEIVE FROM USING THIS CARD . SOMETIMES AS MUCH AS 35 CENTS OFF A GALLON OF GAS.
WE LOVE IT.
WE GAT DISCOUNTED GAS EVERY MONTH DUE TO POINTS WE RECEIVE FROM USING THIS CARD . SOMETIMES AS MUCH AS 35 CENTS OFF A GALLON OF GAS.
WE LOVE IT.
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2 Star Rating
This doesn't seem like a bad card. Standard late fee, middling interest rate which can bounce higher, and a decent rewards system.
When it works, it works. I've used rewards points at my Kroger store but I had some security issues on mine. Dealing with customer support was a huge pain and it took a day on the phone to get someone to clear it up.
If you're a big Kroger customer, consider it. Otherwise I'd pass.
When it works, it works. I've used rewards points at my Kroger store but I had some security issues on mine. Dealing with customer support was a huge pain and it took a day on the phone to get someone to clear it up.
If you're a big Kroger customer, consider it. Otherwise I'd pass.
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Offer last updated: Jun 28th, 2022 at 10:44 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
Not Offered
REGULAR APR
17.49% - 24.49% (V)
ANNUAL FEE
$250
REWARDS RATE
1 - 4 points / $1
BONUS OFFER
60,000 points
MINIMUM CREDIT