Q:

How does a Kroger's card work?

A:

Quick Answer

The Kroger 1-2-3 Rewards Visa Card offers reward points for dollars spent using the card, according to the Kroger website. For every 1,000 points earned, cardholders receive a $5 rewards certificate to use at a store within the Kroger Company family of stores.

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Full Answer

Cardholders earn one point for every $1 spent on the Kroger 1-2-3 Rewards Visa Card at a store outside of the Kroger Company family of stores. For every $1 spent on the card at a store that is part of the Kroger Company family of stores, two points are earned. For each $1 spent on Kroger brand products, or products that are part of the Kroger family of stores brands, three points are earned, explains the Kroger website.

For the first three months of being a cardholder, patrons can receive an additional 25 cents off each gallon of gas at a Kroger Company fuel center after redeeming 100 fuel points, states the Kroger website. After the first three months, cardholders receive an additional 5 cents off each gallon of gas after redeeming 100 fuel points. Cardholders also receive a zero percent introductory annual percentage rate on purchases and balance transfers for nine billing cycles, after which the rate converts to a variable annual percentage rate, which depends on the cardholder's creditworthiness. The Kroger 1-2-3 Rewards Visa Card has no annual fee and features zero fraud liability.

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