Kroger Credit Card

For every eligible $1 net qualifying purchase you’ll earn. 1 point anywhere Mastercard is accepted. 2 points in the Kroger® Family of Companies (excluding fuel centers). 3 points on the Kroger family of quality brands. Rewards are sent automatically every quarter. Every 1,000 points you earn gets you $5 in free groceries. It's three cards in one - Rewards Card, Shopper's Card and Mastercard.

Kroger Credit Card (1)

Kroger Credit Card

For every eligible $1 net qualifying purchase you’ll earn. 1 point anywhere Mastercard is accepted. 2 points in the Kroger® Family of Companies (excluding fuel centers). 3 points on the Kroger family of quality brands. Rewards are sent automatically every quarter. Every 1,000 points you earn gets you $5 in free groceries. It's three cards in one - Rewards Card, Shopper's Card and Mastercard.

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Alternatives to Kroger Credit Card

Chase Freedom Unlimited

The Chase Freedom Unlimited credit card offers 1.5% cash back on every purchase you make. You’ll also get a 0% introductory APR for 15 months for both purchases and balance transfers, which is quite a long time.Earn $150 cash back for spending $500 in the first 3 months.For a similar card that offers 5% cash back on different categories of purchases, check out the Chase Freedom credit card.

Blue Cash Everyday® Card from American Express®

The Blue Cash Everyday® Card from American Express® offer generous cash back rewards, bonuses, and a number of additional benefits.There is also a Blue Cash Preferred® Card from American Express® (Review) version, an upgraded card with additional reward opportunities with an annual fee.

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Store Credit Cards

Sears Card

  • Enjoy savings on your favorite brands with special financing
  • special offers, exclusive events and coupons.

Sears Mastercard® with Shop Your Way

  • Earn More Shop Your Way Points in More Places
  • Global Acceptance
  • Monthly savings, special offers and special financing

BP Credit Cards

  • Redeem earned rewards at the pump
  • $0 Fraud Liability
  • ATM Cash Access
  • No annual fee

Disney Premier Visa Card

  • after you spend $500 on purchases in the first 3 months from account opening.
  • This product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.

Forever 21 Credit Card

For every eligible $1 net qualifying purchase you’ll earn. 1 point anywhere Mastercard is accepted. 2 points in the Kroger® Family of Companies (excluding fuel centers). 3 points on the Kroger family of quality brands. Rewards are sent automatically every quarter. Every 1,000 points you earn gets you $5 in free groceries. It's three cards in one - Rewards Card, Shopper's Card and Mastercard.

1. What is a store credit card?

The only difference between store credit cards and regular credit cards is that store credit cards are branded and associated with a specific retailer and its rewards program. Store credit cards allow cardholders to earn and redeem points when making purchases. Store credit cards appear first before credit cards because department stores used to offer special offers to customers to reward their loyalty to a particular store or brand. In addition to the standard rewards program, store credit cards offer in-store discounts and special rewards. Store credit cards have a cash back feature that gives you a discount when you spend money on the retailer's card.

2. What are the benefits of store credit cards?

A reasonable annual fee

Many great store rewards cards don’t have an annual fee.

Save money at your favorite stores

Store rewards cards have different rewards programs which are great ways to save money, especially you are a frequent customer of that shop. For example, My Best Buy Credit Card offers as much as 5% cash back.

Additional sign-up bonuses and benefits

Many store reward cards attract new customers with a sign-up bonus. What’s more, some store reward cards offer extra benefits, such as discounts, free shipping, a birthday gift and extended return policies.

Easy to get and can help you to build credit

Because of store credit cards’ high interest rates and low credit limits, they are easy to get with fair or poor credit. If you can use it responsibly, this is an opportunity to build up your score.

3. What do you need to apply for a store credit card?

Credit score

Banks approve much lower credit scores for store cards. Therefore, applying a store card is an ideal way for someone with a fair or poor credit score to rebuild his or her credit.

Credit card application

You can apply for a store credit card online, in-store or by email depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.

4. How to use a store credit card?

Read your credit card terms and conditions.

This will give you an idea of how you can earn rewards, when rewards will post and other information.

Take advantage of sign-up bonuses

Many reward credit cards provide sign-up bonuses, please remember to take advantage of sign-up bonuses before they expire.

Maximize your rewards

Reward credit cards offer many ways to help you to save money on everyday items and big-ticket purchases. Keep an eye out for earning double or triple rewards opportunities. In addition, you need to know when your reward points will expire.

Use two store rewards credit cards

Business credit cards can earn points when shopping in specific stores or buying a certain type of merchandise. So it is a good idea to apply for store credit cards according to your shopping habits to get more rewards. For example, if you are a Walmart regular for daily necessities, and you also need to fuel the car, you can prepare one Walmart credit card and one gas rewards card. But we don’t recommend you to take out too many cards at once, because each credit card application may make your credit score lower. So it’s best to add credit cards slowly and allow your credit to build over time.

Plan and budget

It is easy to become impulsive in getting rewards. Don’t spend more than your budget. Earning rewards is not a valid reason to go over your budget.

Pay your bill in full on time

Many store rewards credit cards provide rewards program, but tend to have higher interest rates. If you carry a balance, your interest charge may be more than your rewards. Therefore, we recommend you to pay the bill in full on time in order to avoid paying high interest.

About Kroger

The Kroger Co. (NYSE:KR) is one of the world’s largest grocery retailers, with fiscal 2016 sales of $115.3 billion. The Kroger Co. Family of Stores spans many states with store formats that include grocery and multi-department stores, discount, convenience stores and jewelry stores. We operate under nearly two dozen banners, all of which share the same belief in building strong local ties and brand loyalty with our customers.

What Kroger Credit Cards Are Available?

The Kroger 1-2-3 REWARDS® Visa® Card lets frequent shoppers of Kroger, King Soopers, City Market, Dillons, Baker’s, Smith’s, Fry’s, and QFC earn points for every dollar they spend. By signing up for the Kroger 1-2-3 REWARDS® Visa® Card, customers at any of these stores can earn at least 1 point per dollar spent anywhere that Visa is accepted. Plus, they’ll earn two points for each dollar spent in the Kroger family of stores, and three points per dollar on generic Kroger-brand products.

As a co-branded grocery store card, the Kroger 1-2-3 REWARDS® Visa® Card is a store discount card, a rewards card, and a Visa credit card all in one. If you’re a regular Kroger customer and you’re thinking about signing up, keep reading to learn more about the Kroger 1-2-3 REWARDS® Visa® Card, what its biggest strengths are, and which alternatives might let you earn more rewards over time.

Kroger subsidiary bans Visa credit cards and it could spread to more stores

Starting Aug. 14, the nation's largest supermarket chain will no longer accept Visa credit cards at 21 of its Foods Co. supermarkets and five gas stations in parts of California. Kroger says the move is to save on high costs associated with Visa's "interchange rates and network fees."

A Kroger spokesman also says it could expand the ban to more stores. "We're prepared to take that step," Chris Hjelm, a company spokesman, told Bloomberg.

Foods Co. stores will still accept all debit cards, including Visa debit cards, as well as MasterCard, American Express and Discover credit cards.

Bottom Line

If your goal is earning cash back on groceries the Kroger 1-2-3 REWARDS® Visa® Card can help. However, there are a ton of other cash back cards that can help you earn even more cash back on all of your grocery spending.

Before you pull the trigger with any cash back card, make sure you find one that lets you maximize the points you earn and offers redemption opportunities you’ll actually use.

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