Question 1

What is the Kroger Credit Card?

Accepted Answer

The Kroger Credit Card is a rewards credit card offered by Kroger. It's designed to provide cardholders with cashback rewards, and it's about to become more enticing with the introduction of 5% cash back on mobile wallet purchases.

Question 2

What are the key features of the Kroger Credit Card?

Accepted Answer

The Kroger Credit Card comes with the following key features: 5% Cash Back on Mobile Wallet Purchases: You'll earn 5% cash back on purchases made using mobile wallets like Apple Pay, Google Pay, Samsung Pay, and more. This cashback rate also applies to Kroger purchases made with the card. 2% Cash Back at Kroger: For all your Kroger shopping, you'll receive 2% cashback. 1% Cash Back Everywhere Else: Any other purchases made with the card will earn you 1% cashback. No Annual Fee: There is no annual fee for this card.

Question 3

Is there a cap on the 5% cash back for mobile wallet purchases?

Accepted Answer

Yes, there is a cap on the 5% cash back for mobile wallet purchases. You can earn this rate on the first $3,000 of mobile wallet purchases per calendar year. After reaching this limit, the cashback rate drops to 1%.

Question 4

How can I redeem the cashback rewards I earn?

Accepted Answer

The Kroger Credit Card offers several redemption options: Statement Credit: You can use your cashback rewards to lower your credit card bill. You can start redeeming rewards at as low as $10. Real-Time Rewards: If you have at least $10 in rewards saved up, you can receive a text message alert when you make a purchase. This message allows you to apply your available rewards to that purchase, effectively reducing your bill. Kroger Gift Card: With a minimum of $25 in rewards, you can opt for a $25 Kroger gift card. It functions similarly to a statement credit.

Question 5

What is the Fuel Rewards Program, and how does it work with the Kroger Credit Card?

Accepted Answer

Kroger offers a Fuel Rewards Program that allows you to save on gas purchases. For every 100 points you accumulate, you'll get 10 cents off per gallon of gas at Kroger. The new Kroger Mastercard provides an extra 25 cents off per gallon for the first year when you redeem 100 points, making it a total of 35 cents off per gallon. After the first year, you can still get that extra 25 cents off per gallon if you've spent over $6,000 with the card in the previous calendar year.

Question 6

Is there a new cardholder bonus for the Kroger Credit Card?

Accepted Answer

The availability of a new cardholder bonus for the Kroger Credit Card is uncertain. As of now, the Kroger Credit Card typically doesn't offer a new cardholder bonus online. However, you may receive special offers through the mail or in-store, so keep an eye out for those.

Question 7

How can I decide whether the Kroger Credit Card is the right choice for me?

Accepted Answer

The decision to get the Kroger Credit Card or another credit card depends on your specific financial goals, spending habits, and the presence of any new cardholder bonuses. It's essential to compare it with other cards in the market to determine which one aligns best with your needs.