10 Benefits of Having a Kroger Credit Card

The Kroger supermarket chain is one of the larger food businesses that has store from North Carolina to California. They have their own brand of food products, often providing similar quality at significantly reduced prices. Most Kroger stores will have an assortment of kitchen utensils and hardware for cooking, as well as an in-store pharmacy, making it a weekly, one stop shopping excursion. Having a Kroger Credit Card makes the shopping trip much easier, and it comes with a number of benefits that will save you money.

1. Fast cash back bonus.

Once you are approved and open up your Kroger account, you will be eligible to receive $100 cash back once you have spent a minimum of $200 on your card. You must do this within 40 days of opening your account, which given the many shopping choices at a Kroger store, should be an easy task.

2. No annual fee.

Often, store credit cards will charge you an annual fee, negating any actual cash benefits you get from racking up rewards points. Kroger’s card has a $zero annual fee.

3. Gas points add up every time you use the card.

Going to and from the store almost always takes gas out of your tank, and companies such as Kroger who offer points that can be used at their approved gas stations can save you a lot of money over the course of the year. You can save 25 cents per gallon for an entire year once you cross the threshold of redeeming 100 fuel points.

4. A wide range of APRs you can take advantage of.

More than a few store cards lock you into a fixed APR for the duration of time you hold the card. Amazon’s basic store card does exactly this. With the Kroger card your APR will be based on your credit score, allowing you to pay as little as 13.25% a year on any remaining monthly balance.

5. Timely rewards mailings.

Like clockwork, Kroger sends you a rewards check in the mail along with some great coupons customized to your spending habits based on your purchases at Kroger stores. If you don’t buy apples, you won’t get a coupon for apples. So the more you shop at Kroger, the more likely you are to get coupons that actually have value to your family.

6. The Kroger card is issued by U.S. Bank.

U.S. Bank is one of the nation’s largest banks, so you can use your card with confidence, knowing that it has many advantages as the standard bank cards. This includes the ability to transfer balances from other cards to take advantage of your new, low APR for only 4 percent of the total balance transferred. Being connected with U.S. Bank also gives you the added security and protection of chip card technology, significantly reducing your chances of being a victim of credit card fraud even if your card is lost or stolen.

7. The 1-2-3 Rewards Program

The basis of the program is, the more you buy Kroger products, the more rewards points you will rack up. Buying anything with a Kroger brand label will get you 3 points per dollar spent, spending your money for anything in a Kroger store will get you 2 points per dollar, and everything else is a 1 point per $1 ratio.

8. No ceiling on the number of points you can accumulate.

If you read the fine print on many store cards, you find that there is a maximum number of rewards points you can get – and everything after that goes unrewarded. The Kroger card rewards your loyalty.

9. Great customer service.

Kroger’s customer service is very similar to its 1-2-3 Rewards program – it is simple and you get rewarded by using it. It is hard to find great customer service from retail stores these days, but Kroger has a proven track record of providing quality customer service, whether you just have a question or there is a major problem with your Kroger card.

10. Online account management.

Because the card is issued by U.S. Bank, you can manage your payments and check your balance simply by logging in to your online account. You can also check your rewards balance at the same time, making it a one stop solution for your shopping needs.


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