You will probably be able to get the Kroger credit card but if you do, you will probably also have a high APR on it. The card has a variable rate that ranges from 13.99% to 23.99%. This rate is based on your creditworthiness. If you have fair credit you will obviously be on the higher end of the APR spectrum. However, if your credit just recently crossed to the side of fair you may want to consider waiting to apply. A fair credit score ranges between 640-699, if you are closer to 640 than 699, it is more likely that you may be denied. A hard credit inquiry in itself, never mind coupled with a denial, is not good for the credit score that you seem to be working at building. So if your credit is bordering on bad go for a card that is made for those rebuilding their credit instead of a store card.