Review: Kroger Credit Card

kroger-credit-cardKroger offer a credit card in partnership with US Bank that gives you rewards certificates toward future Kroger grocery purchases based on your card spending. Our overview / review of the Kroger credit card is below:

The Kroger 1-2-3 Rewards Visa Card is a very straightforward points program that results in you earning a $5 gift certificate toward Kroger purchases for every 1,000 points you earn with the card.

How do you earn those points? You get:

  • 3 points for every dollar spent on Kroger store brand products
  • 2 points per dollar on all other Kroger store purchases
  • 1 point per dollar on all purchases you make with the Visa card outside of Kroger

For the first year you have the card, you can also earn an extra 25 cents off per gallon of gas at Kroger Fuel Centers if you purchase with the card AND redeem 100 of your existing fuel points when you make the purchase.

The Kroger credit card offers an interest rate of between 14.49% and 24.49% — your rate will depend on your credit history. To apply for the Kroger credit card, you can use this online application or apply in store.