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With this card, you can earn points for shopping at Kroger stores — but the fees can stack up as quickly as the rewards.
Kroger recently replaced its 1-2-3 Rewards Prepaid Card with the Kroger REWARDS Prepaid Debit Card. Designed for regular shoppers, the reloadable card is easy to use and offers points that are redeemable for groceries and fuel discounts. The fees have increased, so be wary of using your card in ATMs and for international travel.
Katia Iervasi is a writer from sunny Sydney, Australia. Her writing — and curiosity — has taken her around the world, and she now calls New York home. With a journalistic eye for detail, she navigates insurance, mortgages and finance for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).
Get this card if you consistently shop at Kroger stores and want to earn rewards for everyday purchases.
Keep looking if you want free ATMs and a way to waive monthly fees.
The stores under the Kroger Family of Stores umbrella include:
Jay C food stores
Food 4 less
Quality food centers
What you’ll like
The Kroger REWARDS Prepaid Debit Card comes with the features that most prepaid card users expect, like direct deposit and access to a wide network of ATMs. It also boasts these benefits:
Rewards program. You’ll earn points every time you make a purchase with your prepaid card at participating Kroger stores. For every 1,000 points you earn, you’ll receive a $5 electronic coupon.
Fuel discounts. Use your card to buy fuel at Kroger gas stations, and you’ll score a discount of 5 cents per gallon.
Integrated app. Manage your card, view your transaction history, and set savings goals on the Kroger Rewards Prepaid app, which is available for iOS and Android devices.
Direct deposit bonus. At the time of writing, Kroger is offering a $10 bonus for enrolling in direct deposit.
Speedy application. It takes a few minutes to fill out the online application, and Kroger doesn’t run credit checks.
No overdraft fees. Kroger doesn’t charge overdraft fees.
Works worldwide. Jetting off? You can use the prepaid card overseas — just be aware of the international transaction fees.
High daily withdrawals. The daily ATM withdrawal limit is $1,220, and the cash load limit is $5,000 — which is better than most prepaid cards.
Kroger Pay. Kroger is rolling out its mobile wallet, Kroger Pay, which can be linked to your Rewards prepaid card. This will make shopping a more seamless process — but it’s currently only available in Columbus, OH stores.
What to watch out for
Look for fees and card limits along with other drawbacks with this card, like:
Monthly maintenance fee. Kroger charges $4.95 per month.
ATM fees. You’ll pay $2.50 every time you dip your card into an ATM to withdraw funds — even if it’s an in-network ATM. If you’re just checking your balance, the fee is $0.50 for domestic ATMs, and $1 everywhere else.
International transaction fees. Whenever you buy something from a foreign merchant or withdraw cash from a foreign ATM, you’ll pay 3% of the dollar amount.
Card limits. The daily spending limit is $2,525, which is slightly lower than most prepaid cards. The maximum card balance is $10,000.
Other fees. It costs $3 to replace a lost or stolen card, $15 for card replacement expedited delivery, and $1.50 to buy the prepaid card in the store.
Compare with other prepaid cards
How do I get the Kroger REWARDS Prepaid Debit Card?
You can purchase a temporary card at Kroger stores for $1.50 and start using it right away while you wait for your permanent card.
Otherwise, you can apply for the card online for free. The application takes about five minutes. These are the steps:
Go to the Kroger Prepaid website. On the homepage, click Get a Card
Select the store you shop at the most. You’ll get a shopper number that’s linked to this store.
Enter your personal information and proceed to the next step.
Fill out your personal and contact information, and agree to the card’s terms and conditions. Click Continue.
Direct deposit. Set up direct deposit to automatically load a portion of your paycheck and government benefits to the card.
Online transfers. Send money from your PayPal or bank account to your prepaid card.
Mobile check deposit. Use the app to deposit checks to the card. There’s no fee for this, but it will take around 10 days for the funds to clear.
Cash. Load $10 to $1,000 cash onto your card at Kroger stores. The fee is $3, and the funds are immediately available to use. Or, reload your card via Visa ReadyLink.
Card-to-card transfers. Log into the app to move money between your Kroger cards.
How long will it take to get my card?
If you apply for the card online, you’ll receive it in the mail within 10 business days.
I got the card. Now what?
Make the most of your new card by following these tips:
Activate the card. Once you get your card, set up your account and activate the card so you can start using it.
Fund your card. Load up to $1,000 cash daily.
Enroll in direct deposit. Opt to send up to $5,000 of your paycheck, tax refunds, government benefit checks and other recurring checks to your prepaid card. It’s free to enroll, and you’ll get a one-time $10 bonus after your first direct deposit.
Contact customer service. Call 888-371-8966 from Monday to Friday, 8 a.m. to midnight, and Saturday and Sunday, 8 a.m. to 9:30 p.m. EST.
Sign up for alerts. If you want to receive text or email alerts, you can do that online or by calling customer service.
How does the point system work?
1 point per $1 net eligible purchases outside Kroger stores
2 points per $1 net eligible purchases inside Kroger stores
3 points per $1 net eligible purchases on Kroger Family of Brands inside Kroger stores
If you do most of your shopping at Kroger stores, it’s worth looking into the prepaid Visa card. It’s simple to use, and you can earn rewards for everyday purchases like groceries and gas. But the maintenance and ATM fees can be hefty.
No — but you can complete an ACH from your bank account to your card.
Your $5 electronic coupon will be automatically loaded to your card. The coupons are accumulated and delivered once a month.
You can purchase a temporary card at any Kroger store register, and load between $10 and $500 onto it. Keep in mind that these cards can’t be reloaded or used at ATMs.
No. In most cases, any transaction that would cause your account to overdraw will be declined.
Once the return is complete, those reward points will be deducted from your point balance.
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