Kroger Rewards Prepaid Mastercard®

Advertiser Disclosure Editorial Disclosure

Last updated on May 9th, 2022

Kroger Rewards Prepaid Mastercard®

$10 Credit When Signing Up for Direct Deposit

Kroger Rewards Prepaid Mastercard®
  • Annual Fee $59.40
  • Credit uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    No Credit Required
  • Processing Network Mastercard
Best Benefits
  • 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
Rates & Fees
  • Annual Fee: $59.40
  • Foreign Transaction Fee: 3% of transaction amount
  • Minimum Deposit Required: $10
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Kroger Rewards Prepaid Mastercard®

Kroger Rewards Prepaid Mastercard®

Terms & Conditions

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.

Ideal for Those Who:

  • Want to earn Kroger’s rewards
  • Don’t want the hassle and worry of an unsecured credit card
  • Plan on setting up a direct deposit to earn an additional $10 credit

Kroger Rewards Prepaid Mastercard Review

The Kroger Rewards Prepaid Mastercard® 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 that come with a credit check or credit card application.

As with other prepaid debit cards, the Kroger Rewards Prepaid Mastercard® is easy, and straightforward to start using. 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 a person chooses not to wait that long, they can simply 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 the card and load the card with funds – and then they can simply spend it just like cash or a debit card – but with the safety and protection of Mastercard. If they choose to set up a direct deposit, they can also earn an impressive $10 credit once their first deposit is successful.

Kroger Rewards Prepaid Mastercard Perks:

  • 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

New Account Bonus

Like a credit card, the Kroger Prepaid Card also comes with a bonus for new accounts. Once you make your first direct deposit, you’ll receive a $10 credit to your card, meaning this is a prepaid card that actually pays you!

Other Features

Like any other prepaid card, the Kroger Mastercard prepaid card also offers the usual protections that come with a credit card. Cardholders get Mastercard’s purchase protection and fraud coverage. They’ll also have access to the Kroger Rewards Prepaid app, which allows for simple account management, spending tracking and rewards monitoring – at no additional cost.

Should You Apply for the Kroger Rewards Prepaid Mastercard?

The Kroger Rewards Prepaid Mastercard® 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 doesn’t want the hassle of a credit card or are afraid they won’t qualify for an unsecured credit card. The Kroger Rewards Prepaid Mastercard® is also a very smart choice as it provides the payment and fraud protections cardholders have come to expect from Mastercard.

Krogers 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’s 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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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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