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Credit Card Applications » Kroger Cards

Best Credit Cards from our partners for Using at Kroger

Kroger is one of the largest grocery retailers in the world and happens to be the largest supermarket chain by revenue in the United States. The Kroger Company was founded in 1883 by Barney Kroger as a single grocery store in Cincinnati, Ohio. Since 1883, The Kroger Company has largely expanded their business across many states creating thousands of additional grocery stores, as well as, multi-department stores, convenience stores and jewelry stores. In addition to all of Kroger’s expansions over the years, Kroger has also added the Kroger credit card which can be used to collect rewards and benefit your Kroger shopping experience.

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Card Type
Kroger
Shopping
Use for any US Shopping
Intro APR on Purchases
Regular APR
Annual Fee
Sign-up Bonus
Kroger Cards:
Featured Alternatives to Kroger Cards:
Excellent/Good Credit
Excellent Credit
Fair/Bad Credit
Excellent Credit
Discover it® Cash Back Citi Rewards+℠ Card Surge Mastercard® 1-2-3 REWARDS® Visa Card
Discover it® Cash Back*See Terms Citi Rewards+ Card Surge Mastercard® 1-2-3 REWARDS® Visa Card
Unfortunately,
we do not currently offer
online application
for this card
Credit Card
Credit Card
Credit Card
Credit Card
0% (14 months on Purchases)
0% (15 months on Purchases)
N/A
0% for 9 billing cycles15
11.99% - 22.99% Variable
13.49% - 23.49% (Variable)
25.90% - 29.99%
14.99% - 24.99% (Variable)15
$0
$0
$75 - $99
None15
INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 to $300.
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
N/A
No

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Excellent/Good Credit
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Expert Rating:

Card Details
  • UNLIMITED BONUS: Only Discover will automatically match all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles.  There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
  • Earn unlimited 1.5x Miles for every dollar spent on all purchases - with no annual fee.
  • Turn Miles into cash in any amount, any time. Or redeem as a statement credit for travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more with no blackout dates. However you redeem, Miles keep the same value. And Miles never expire.
  • No Blackout Dates. Simply pay for travel purchases like airlines, hotels, rental cars, and more with your Discover it® Miles card.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
0% (14 months on Purchases) 10.99% (14 months on Balance Transfers) 11.99% - 22.99% Variable $0 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
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Card Details
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
0% (18 months on Purchases) 0% (18 months on Balance Transfers) 14.74% - 24.74% (Variable) $0 Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum.
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Excellent/Good Credit
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Card Details
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn cash back on your next road trip with 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. Based Customer Service available any time.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
0% (14 months on Purchases) 0% (14 months on Balance Transfers) 11.99% - 22.99% Variable $0 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
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Bad/No Credit
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Card Details
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
n/a n/a 0.00% See Terms See terms
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Card Details
  • Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
  • No Annual Fee
  • Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn 1 AAdvantage® mile for every $1 spent on other purchases
  • Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
N/A N/A 15.99% - 24.99% (Variable) $0 3% of each balance transfer; $5 minimum
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Card Details
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Summary of Card Features:
Intro APR
on Purch.
Regular APR Annual Fee Balance Transfer Fee Reporting Credit Bureaus
N/A 17.39% (variable) $35 N/A Yes
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Card Details
  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening
  • Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • No Foreign Transaction Fees on purchases
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
  • The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal.Tr.
Regular APR Annual Fee Balance Transfer Fee
N/A N/A 15.99% - 24.99% (Variable) $450 3% of each balance transfer; $5 minimum
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Card Details
  • Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
Summary of Card Features:
Intro APR
on Purch.
Regular APR Annual Fee Balance Transfer Fee Reporting Credit Bureaus
N/A 9.99% (Fixed) $48 N/A Yes
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Card Details
  • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri
Summary of Card Features:
Intro APR
on Purch.
Regular APR Annual Fee Balance Transfer Fee Reporting Credit Bureaus
N/A See Terms See Terms See Terms Yes
See card details

Benefits You Get With The Kroger 123 card

The Kroger Company currently offers the 1-2-3 Rewards Visa Card, which comes with no annual fee and is issued through US Bank. The Kroger 123 card provides cardholders with several features that benefit their Kroger shopping experience, including the opportunity to save 25¢ per gallon fuel purchases. In addition, this card will allow cardholders to earn reward points on every qualifying purchase. The reward points that are earned can be redeemed for free groceries.

When shopping with the Kroger rewards card, you can earn reward points anywhere you shop. The amount of points that you will earn will depend on what you buy and where you buy it from. For every $1 spent on any Kroger Family of Brands products, you will earn 3 points. For every $1 spent at Kroger stores (except on fuel purchases), 2 points will be earned. When shopping anywhere else, 1 point will be earned per $1 spent. Every 1,000 points you collect can be redeemed for a $5 Kroger rewards certificate.

Additional benefits of using the Kroger Visa card include convenient online access, paperless statements, AutoPay options, security alerts and easy reward tracking. The Kroger 1-2-3 card comes with a variable APR ranging from 14.99% to 24.99%. In addition to the 1-2-3 rewards Visa card, if you would like to earn rewards when shopping at Kroger prepaid card options are also available to anyone who would like to apply for them.

If you are not someone who enjoys shopping at Kroger’s or there aren’t any Kroger shopping centers located near you, one of these other cards might be a better option for you.

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