| Last updated on January 2nd, 2024
Kroger Rewards Prepaid Mastercard®
Kroger Rewards Prepaid Mastercard®
Kroger Rewards Prepaid Mastercard®
At a Glance
The Kroger Rewards Prepaid Mastercard® lets cardholders earn rewards while shopping at Kroger’s brand stores, but without the stress and hassle of a credit card. The prepaid card earns triple rewards on Kroger’s brand products, double points for purchases in-store at Kroger’s stores, and single points for everything else. For every 1,000 points accumulated, Kroger’s reward members earn $5 in free groceries. When setting up a direct deposit, cardholders earn an extra $10 credit on their card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No overdraft fees
- Protected from all liability for unauthorized transactions with Zero Liability
- There are multiple ways to add funds to your card
- Use your Reloadable Prepaid Card anywhere Mastercard cards are accepted worldwide
- Annual Fee: $59.40
- Foreign Transaction Fee: 3% of transaction amount
- Minimum Deposit Required: $10
- You want to earn Kroger’s rewards
- You prefer not to deal with the disadvantages of an unsecured credit card
- You plan on setting up a direct deposit to earn an additional $10 credit
Kroger Rewards Prepaid Card Review
The Kroger Rewards Prepaid Card is a prepaid card that lets you earn rewards towards fuel savings and free groceries. The card works just like a credit card but without the worries of a credit check or credit card application.
New Account Bonus
Like a credit card, the Kroger Prepaid Card also has a bonus for new accounts. Once you make your first direct deposit, you’ll receive a $10 credit to your card, meaning this prepaid card pays you!
How to Get the Kroger Prepaid Card
The Kroger Rewards Prepaid Card is as easy and straightforward as other prepaid debit cards. All that needs to be done is register for the card online through the Kroger Prepaid site and wait for the card to arrive in the mail (roughly ten days later). If someone chooses not to wait that long, they can head into a Kroger’s store and buy a card on-site.
The Kroger Family of Brands spans the entire United States and includes some of the most popular supermarket names in the country, including Dillons, Fred Meyer, Fry’s, Harris Teeter, King Soopers, Pick N’ Save, Ralphs, Smith’s, and more.
Once they have the card, the cardholder only needs to activate it and load it with funds – and then they can spend it just like cash or a debit card – but with the safety and protection of either Visa or Mastercard.
Who Can Get the Most Out of the Kroger Prepaid Card?
Prepaid and debit cards make a lot of sense for underbanked people. Being underbanked means you don’t have access to traditional banking services through economic, social, or geographical means. Cards like Kroger’s prepaid card make it easy to access many of the traditional banking features – such as overdraft protection, security features to protect against fraud, and others.
Prepaid cards work similarly to a credit or debit card: you provide your card number and expiration date when checking out online or swipe the card in-store as you would with any other payment card. One of the benefits of this process is that if your prepaid card is stolen or lost, you won’t have to worry about losing your Social Security Number, harming your credit score, or any other serious ID theft.
Account Features
Like other prepaid debit cards, the Kroger Rewards prepaid Card provides a quality selection of account features, including:
- Zero Fraud Liability: You will not be held responsible for unauthorized charges made with the card.
- No overdraft fees: The card has no overdraft fees because you can’t spend more than your balance.
- Direct Deposit: Get paid directly to your prepaid account with no more waiting in line to load money.
- International: Use the card anywhere in the world. Visa or Mastercard is accepted (depending on the option you select).
Earning Rewards
Kroger Rewards Prepaid Cardholders also enjoy the ability to earn valuable Kroger Rewards points on eligible purchases:
- Earn 3x points on Kroger Family of Brands’ own brand purchases
- Earn 2x points when shopping at any Kroger-owned chain
- Earn 1x points for every other purchase made with the card
Redeeming Rewards
Rewards take the form of points in the Kroger REWARDS Program, with points instantly turned into rewards as soon as a minimum threshold is reached. Once you reach 1,000 points, Kroger automatically sends a $5 reward. You can then redeem your $5 reward by swiping the bar code on the back of your rewards card at checkout.
Related Article: The Ultimate Guide to Credit Cards for Groceries & Delivery Services
Other Prepaid Cards to Consider
Albert Mastercard®
GO2bank Visa® Debit Card
Yotta Debit Card
Feature #1
Earn $150 when you receive a qualifying direct deposit and use your Albert debit card
Overdraft protection up to $200 with opt-in and eligible direct deposit
The only debit card that could literally make someone a millionaire including odds up to 1 in 100 Yotta will cover your entire purchase
Feature #2
Earn cash back rewards when you buy groceries, gas, food and more with your Albert debit card
Free nationwide ATM network Refer a friend, and you both get $50
Earn 10% of your purchase amount back in the form of tickets into the following week’s sweepstakes
Direct Deposit
Get paid up to 2 days early
Get paid up to 2 days early
Get paid up to 2 days early
Choose Visa or Mastercard
You choose the Kroger Rewards Prepaid Card as a Mastercard or Visa. The Kroger Rewards Prepaid Visa and Kroger Rewards Prepaid Mastercard are widely accepted payment networks, so having either logo on the card ensures that it can be used with most credit card merchants. Here is how the two card networks compare:
| Visa | Mastercard |
|---|---|
| Dovly Uplift™ credit score monitoring | Mastercard Global Service |
| ID Navigator Powered by NortonLifeLock | Mastercard ID Theft Protection™ |
| Visa Zero Fraud Liability | Zero Liability Protection |
| Lost/Stolen Card Reporting | Mastercard Airport Concierge™ |
Fee Schedule
| Charge | Fee | |
|---|---|---|
| Monthly Maintenance Fee | $4.95 | |
| Cash Reload (Swipe Reload at Kroger Family Stores) | $3.00 | |
| Cash Reload (Visa Readylink) | Varies by Retailer | |
| Cash Reload (ReCharge Card™) | $3.00 | |
| Cash Reload (Mastercard rePower®) | $4.95 | |
| ATM Withdrawal | $2.50 In-Network $2.50 Out-of-Network $2.50 International | |
| ATM Balance Inquiry | $0.50 In-Network $0.50 Out-of-Network | |
| International Transaction Fee | 3% of transaction amount | |
| Card Replacement | $3.00 | |
| Card Replacement Expedited Delivery | $15.00 | |
U.S. Bank Ratings
How does the U.S. Bank rate as an issuer of prepaid and other payment cards? Here is a selection of ratings for the bank:
| BestCards | Better Business Bureau | TrustPilot |
|
3.5/5 |
N/A |
1.5/5 |
Should You Apply for the Kroger Rewards Prepaid Card?
The Kroger Rewards Prepaid Card is a great option for those who want to earn rewards for their purchases at Kroger’s and other Kroger’s family stores but either don’t want the hassle of a credit card or are afraid they won’t qualify for an unsecured credit card. The Kroger Rewards PrepaidCard® is also a very smart choice as it provides the payment and fraud protections cardholders have come to expect from Mastercard.
Kroger’s Rewards is an easy-to-use program that offers real value for money for members. Every 1,000 points is worth a $5 voucher towards groceries at any Kroger supermarket, meaning the prepaid card offers the chance to save money with every purchase – and without the need for a hard inquiry on your credit report.
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