The Kroger Prepaid Visa (or Kroger Prepaid Mastercard) is a reloadable rewards debit card. Instead of receiving a line of credit like you would with the Kroger REWARDS Mastercard, you'll have to load money onto the card to use it. The plus to this is that after loading the card with funds, you'll be able to use the card to earn Kroger Points and save at Kroger Brand Fuel Centers. Since the Kroger Prepaid Visa is a debit card that uses your own money, it does not require a credit check. While the Kroger Prepaid Visa is a decent card, it has lots of small fees that will quickly eat away the rewards earned.
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Bonus Categories
The Kroger Prepaid Visa has two bonus categories that earn bonus Kroger Points with spend and those two categories are Kroger Family of Companies and Kroger Family of Companies Own Brand Products. There is no limit to the amount of Kroger Points you can earn spending across these bonus categories and no limit to the amount of Kroger Points you can earn with the card in general.
- 3x Kroger Family of Companies Own Brand Products
- These are brands that are produced by stores that fall under Kroger Family Brands including:
- Simple Truth
- Private Selection
- Kroger (brand)
- HemisFares
- Comforts
- Abound
- Luvsome
- Bloom Haus
- Murray's Cheese
- Bakery Fresh Goodness
- Dip
- Home Chef
- Pet Pride
- OfficeWorks
- HD Designs
- Everyday Living
- These are brands that are produced by stores that fall under Kroger Family Brands including:
- 2x Kroger Family of Companies
- Applies to purchases you make at Kroger Family stores that are not Kroger Brand Products which includes:
- Baker’s
- City Market
- Dillons
- Food 4 Less
- Foods Co
- Fred Meyer
- Fry’s
- Gerbes
- Harris Teeter
- King Soopers
- Jay C Food Store
- Kroger
- Owens Market
- Pay-Less Super Markets
- QFC
- Ralphs
- Smith’s Food and Drug
- Applies to purchases you make at Kroger Family stores that are not Kroger Brand Products which includes:
- 1x Non-Category
Do note that neither bonus category applies to Kroger Fuel Centers.
Perks & Benefits
The Kroger Prepaid Visa isn't stacked with benefits, but it can save you money when spending at the pump.
- Kroger Fuel Discount
- Save an additional 5 cents per gallon on fuel at Kroger Family of Companies Fuel Center.
- Prepaid Visa Benefits
- No Overdraft Fees
- Direct Deposit Available
- International Usage
- Reloadable
- Mobile App To Add/Transfer Funds
Sign Up Bonus
The Kroger Prepaid Visa card offers a $10 sign up bonus when you use direct deposit to fund your card. The Kroger Rewards Mastercard offers more value with a big discount at Kroger Fuel Centers for the first year when redeeming rewards.
Fees
Annual Fee
The Kroger Prepaid Visa has a bunch of fees associated with maintaining and reloading the card. You'll have to dish out a $4.95 maintenance fee along with the cost to reload the card. You'll also be charged for ATM withdraws, ATM balance inquires, and card replacements.
Authorized User Fee
Not Applicable.
Foreign Transaction Fee
The Kroger Prepaid Visa Card has a 3% foreign transaction fee which makes it a terrible choice for international spending and travel. Even without the fee, this card would not earn you much in rewards as it offers a 0.5% return on non-category spend.
Rewards Calculator
You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.
Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.
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