In order to earn the $.25 discount, must I make $100 worth of groceries in the store with the credit card?
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Kroger Credit Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and rewards details for The Kroger Credit Card. Compare to other cards and apply online in secondsJohn Kiernan
WalletHubNo membership feesHigh rewards rateBonus rewards categoriesNo foreign feeNo initial rewards bonusNo intro APR on purchasesNo intro APR on balance transfersRequires good/excellent credit
WalletHubNo membership feesHigh rewards rateBonus rewards categoriesNo foreign feeNo initial rewards bonusNo intro APR on purchasesNo intro APR on balance transfersRequires good/excellent creditKroger Credit Card
Kroger Credit Card
Info about the Kroger Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
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KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
19.24% - 29.99% (V)
Balance Transfer
APR: 19.24% - 29.99% (V)
Balance Transfer Fee
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.
Save up to $.55 cents per gallon of fuel each time you redeem up to 100 fuel points at Fred Meyer and Kroger Fuel Centers for the first year and thereafter when you spend $6,000 in a calendar year. Terms apply.
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.
Kroger Credit Card's Additional Info
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™.
| cash advance fee | 5% (min $10) |
| cash advance APR | 29.99% (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 |
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Editor's ReviewFact checked
Fact checked
Kroger Credit Card Pros & Cons
No membership fees
High rewards rate
Bonus rewards categories
No foreign fee
No initial rewards bonus
No intro APR on purchases
No intro APR on balance transfers
Requires good/excellent credit
Compare The Kroger Credit Card vs. Other Cards
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APR0% for 12 billing cycles|Transfer Fee: $0
Regular APR19.24% - 29.99% (V)
Regular APR21.24% - 29.24% (V)
Regular APR13.5% - 18.00% (V)
Rewards Rate
Rewards Rate
Rewards Rate
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 can I see my account online?
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How do you get the extra .25 off per gallon for the first year you have the VISA and you redeem at least 100 fuel points?
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@ralphk
I can't seem to get the 25 cents a gallon off either. I have not been able to get an answer to how it is done.
I put in $100 today, used about $40 and now my balance is $14. How is that?
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What is the physical address to send in my written application?
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Can you put $2 on the card?
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How many people have applied for this card since inception? How many cardholders exist today?
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WalletHub
Unfortunately we do not have access to this information. You may be able to find the answer to your questions by calling customer service at: 800-872-2657. Sorry we couldn't be of more help.
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Kroger Credit Card Reviews
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3.1
392 reviews
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1 Star Rating
This card is limited and terrible in so many ways. Effective 1% cash back if and only if you spend $500 a month on groceries at kroger. Else a 0.5% on all other purchases. This forces you to shop at kroger despite whatever competitive prices there may be at other grocers meaning you have easily paid 20% more in the $500 groceries you buy a month in exchange for $5/month. I think I like the $100 not spent more than the $5 back in groceries. Laughable, so look else where as 1% is an industry standard for ALL purchases on any simple rewards credit cards.
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1 Star Rating
Terrible Card. Had an emergency and NOT ONE PERSON AT THE CUSTOMER SERVICE LINE COULD ASSIST. You cannot get a hold of anyone in management unless you ask the rep to fill out a call back form and then you will not receive a call for up to 48 hours. I waited the 48 hours with ZERO call backs. Time to get out hte scissors and spread the word to not get this CARD at all.
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The SAME experience with CS!! Earned over 1500 points..nothing!!!
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4 Star Rating
I like the fact that this card has such high Rewards, has a better rewards than capitol one; However the interest rate is a little higher. You get 5 dollars free groceries, for every 1000 points you earn, which anything that helps increase the grocery budget is a bonus for me. The 25 cents off gasoline is great at the pump especially now-a-days, that gas prices are so expensive. Plus the emergency assistance services this is a well rounded card.
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5 Star Rating
I love this card! I get about $15-20 back every quarter plus so many more fuel points. The big bonus, is when you sign up you get an extra 25 cents off everytime you use your card at the kroger pump for the first 3 months. After that, you always still get an additional 5 cents. PLUS, the send you great coupons for the things that you normally would buy anyway.
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3 Star Rating
The Kroger 1-2-3 Rewards Credit Card offers some good benefits such as no annual fee and points for every dollar you spend depending on what you get. Unfortunately the rewards are low as you must get 1000 points to save $5 and there isn't a bonus.
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1 Star Rating
Horrible card, rewards points expire quickly so they never really accumulate unless you spend literally thousands of dollars a month, constantly taking unspecified $2-4 fees !!! Customer service is literally the worst I've ever dealt with, phone people are rude and not at all helpful, and while King Soopers can sell them it doesn't provide any actual in store customer service if there are problems even though they're name is on it, and it's purchased at their store.
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2 Star Rating
Not much rewards or just few Kroger brand items apply to the coupons after 1000 dollars purchase, but a lots of fees. If you don't pay it off (even 50 cents balance), you could get 2 dollars minimum interest plus other fees every month, which could end up a huge cost at the end of year if you don't keep tracking them. And the customer service sucks.
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1 Star Rating
Card really sucks. Customer service is terrible. They can never answer any questions. They are rude. I can't believe Krogers put their name on the card.
Don't get this card . Get the! Walmart card
Don't get this card . Get the! Walmart card
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I am with u! Same experience!!
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4 Star Rating
Kroger 1-2-3 Rewards credit card 3 cards in one well that is a good deal. Ever one thousand points gets you $5 bucks in free groceries and the regular rate is 13.99% - 23.99% (V) all great features. The bad features are the 24 day grace period is a way too short people need at least 30 days and I do not like being excluded from fuel centers. When I compare this card to another card I use all the time I have gas fill up benefits and I am always at the pump I wish the Kroger 1-2-3 rewards card had that as a feature but it does not.
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1 Star Rating
It took me a week to link my vip card to this new credit card. If you ask for help at the store they will tell you to call 123 rewards card. If you call 123 rewards card they will tell you to walk into any frys supermarket. Its a joke I had to go 3 times to try to link these cards together and when I finally did then they mentioned that it does not apply to any purchases online and in order to receive points vendors must also scan your 123 rewards card just like you do at the supermarket. I now have a balance of over $400 dollar and have not received any points since I scanned my vip card instead of 123 visa and I made purchases online. I also put gas twice and did not receive my 25cents rewards. Feels like a scam I will call to cancel this card. I recommend you stay with the 2% on all purchases credit card this one is just not what they make it to be.
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Review Kroger Credit Card
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Offer last updated: Sep 22nd, 2023 at 17:08 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
Not Offered
REGULAR APR
21.24% - 29.24% (V)
ANNUAL FEE
$0
REWARDS RATE
1 - 3 points / $1
BONUS OFFER
$100
MINIMUM CREDIT