topic Re: Kroger (& Affiliates) Rewards card underwriting DPs? in Credit Cards

Kroger (& Affiliates) Rewards card underwriting DPs?

JNA1 — Sun, 29 Jan 2023 21:42:23 GMT

I recently just learned of these cards, and the 5% mobile wallet on two of these would (mostly) fill the final hole in our 5% cash back lineup. To have $6K in what amounts to uncategorized spend with mobile wallets, combined with the mobile wallet quarter of Disco would pretty much optimize our lineup as well as possible.

My question is if the underwriting is as strict as on these as it is on core US Bank cards, or they are little more lenient like on the Elan cards? We are both 2/12, but I'm 1/6 and she is 2/6.
We were both approved with similar profiles on Elan MCPs, but I'm curious if others have had similar success with these cards.

Re: Kroger (& Affiliates) Rewards card underwriting DPs?

CreditCobra — Mon, 30 Jan 2023 03:31:58 GMT

These cards are on my radar as well. Need to wait a few more months through.

It's worth pointing out that you might want to look at all of them as some have SUBs. I'm a little suprised that these cards don't get more attention here.

Re: Kroger (& Affiliates) Rewards card underwriting DPs?

Anonymous — Mon, 30 Jan 2023 04:25:31 GMT

@CreditCobra wrote:
These cards are on my radar as well. Need to wait a few more months through.

https://dillonsmastercard.com
https://freddysmastercard.com
https://frysmastercard.com
https://htmastercard.com
https://kingsoopersmastercard.com
https://krogermastercard.com
https://marianosmastercard.com
https://picknsavemastercard.com
https://qfcmastercard.com
https://ralphsmastercard.com
https://smithsmastercard.com
It's worth pointing out that you might want to look at all of them as some have SUBs. I'm a little suprised that these cards don't get more attention here.

Not only SUBs, but some have additional rewards, e.g. Marianos and Harris Teeter also give 3% off dining and fuel ($6K cap), with a SUB but not the gas offer

Re: Kroger (& Affiliates) Rewards card underwriting DPs?

JNA1 — Mon, 30 Jan 2023 04:46:35 GMT

I would definitely be most interested in the variants with the SUB. The fuel rewards really wouldn't work us as both Krogers in our area are out of our way to drive to regularly.

I agree too that I'm surprised these cards don't get more attention. The 5% digital wallet, 3% dining and gas cards are pretty awesome for a lot of people with less optimized card lineups. We would only use the 5% digital wallet category, but with the $100 SUB and rewards earning of $150 per year, it's definitely a worthwhile card to have.

Re: Kroger (& Affiliates) Rewards card underwriting DPs?

issac2x — Mon, 30 Jan 2023 05:57:44 GMT

Just cold app'd for the Harris Teeter one a few minutes ago. Presently a US Bank customer in good standing pulled TU was 775 at the time. 1/24. Gave me a 500CL toy limit. Just for reference my Cash+ is 2000CL so US Bank may only like giving me low limits.

Apparently they're geofenced to states with Kroger stores in them but if you are in a state with one of their brands it looks like you can apply for any one in the collection. I'm nowhere near HT but have Kroger brand stores nearby so I guess that allowed me to bypass the geofence, even if it was for a paltry limit.

Re: Kroger (& Affiliates) Rewards card underwriting DPs?

ptatohed — Mon, 30 Jan 2023 09:24:43 GMT

I have never forgotten about these cards. But, for me, personally, right or wrong, I hate having a required password on my phone. So, I don't use digital wallets. But great cards for anyone who doesn't mind.

Re: Kroger (& Affiliates) Rewards card underwriting DPs?

Bill77 — Mon, 30 Jan 2023 15:30:51 GMT

@CreditCobra wrote:

It's worth pointing out that you might want to look at all of them as some have SUBs. I'm a little suprised that these cards don't get more attention here.

I think they don't get more attention because of reports of geofencing. I'm not near any of their stores.

Re: Kroger (& Affiliates) Rewards card underwriting DPs?

LADave — Mon, 30 Jan 2023 18:44:53 GMT

From what I've seen on Reddit, $500 is a very common SL for these cards, regardless of how strong your profile is. I wouldn't apply for one with the idea of putting a large amount of spending on them.

I'm curious if there are DPs showing these cards have less strict underwriting than U.S. Bank core cards (probably with $500-ish SLs 😂).

Re: Kroger (& Affiliates) Rewards card underwriting DPs?

LADave — Mon, 30 Jan 2023 18:52:08 GMT

@JNA1 wrote:
I recently just learned of these cards, and the 5% mobile wallet on two of these would (mostly) fill the final hole in our 5% cash back lineup. To have $6K in what amounts to uncategorized spend with mobile wallets, combined with the mobile wallet quarter of Disco would pretty much optimize our lineup as well as possible.

I'm seeing 5% back on $3K in uncategorized mobile wallet spend, regardless of which Kroger credit card site I'm visiting. I live in a Ralphs area, so I wonder if that's restricting the offers I get.

Re: Kroger (& Affiliates) Rewards card underwriting DPs?

Bill77 — Mon, 30 Jan 2023 19:25:38 GMT

@LADave wrote:
@JNA1 wrote:
I recently just learned of these cards, and the 5% mobile wallet on two of these would (mostly) fill the final hole in our 5% cash back lineup. To have $6K in what amounts to uncategorized spend with mobile wallets, combined with the mobile wallet quarter of Disco would pretty much optimize our lineup as well as possible.
I'm seeing 5% back on $3K in uncategorized mobile wallet spend, regardless of which Kroger credit card site I'm visiting. I live in a Ralphs area, so I wonder if that's restricting the offers I get.

The way I'm reading OP is he is referring to 6k as a couple with his SO combined so each 3k individually.

Re: Kroger (& Affiliates) Rewards card underwriting DPs?

LADave — Mon, 30 Jan 2023 20:33:07 GMT

@Bill77 wrote:
@LADave wrote:
@JNA1 wrote:
I recently just learned of these cards, and the 5% mobile wallet on two of these would (mostly) fill the final hole in our 5% cash back lineup. To have $6K in what amounts to uncategorized spend with mobile wallets, combined with the mobile wallet quarter of Disco would pretty much optimize our lineup as well as possible.
I'm seeing 5% back on $3K in uncategorized mobile wallet spend, regardless of which Kroger credit card site I'm visiting. I live in a Ralphs area, so I wonder if that's restricting the offers I get.

The way I'm reading OP is he is referring to 6k as a couple with his SO combined so each 3k individually.

I missed that earlier, now it makes sense. Thanks!

Re: Kroger (& Affiliates) Rewards card underwriting DPs?

JNA1 — Mon, 30 Jan 2023 20:39:08 GMT

@Bill77 wrote:
@LADave wrote:
@JNA1 wrote:
I recently just learned of these cards, and the 5% mobile wallet on two of these would (mostly) fill the final hole in our 5% cash back lineup. To have $6K in what amounts to uncategorized spend with mobile wallets, combined with the mobile wallet quarter of Disco would pretty much optimize our lineup as well as possible.
I'm seeing 5% back on $3K in uncategorized mobile wallet spend, regardless of which Kroger credit card site I'm visiting. I live in a Ralphs area, so I wonder if that's restricting the offers I get.

The way I'm reading OP is he is referring to 6k as a couple with his SO combined so each 3k individually.

That's correct, we'd both get one to maximize earnings. Together, we could earn $300 from and $200 in SUBs. I think I'll wait a month to apply at which point I'll be 0/6 and 2/12 and maybe find it a try.

A $500 SL would be less than ideal, but it would work as we would PIF.

Re: Kroger (& Affiliates) Rewards card underwriting DPs?

FinStar — Wed, 01 Feb 2023 00:18:49 GMT

@JNA1 wrote:
I recently just learned of these cards, and the 5% mobile wallet on two of these would (mostly) fill the final hole in our 5% cash back lineup. To have $6K in what amounts to uncategorized spend with mobile wallets, combined with the mobile wallet quarter of Disco would pretty much optimize our lineup as well as possible.

My question is if the underwriting is as strict as on these as it is on core US Bank cards, or they are little more lenient like on the Elan cards? We are both 2/12, but I'm 1/6 and she is 2/6.
We were both approved with similar profiles on Elan MCPs, but I'm curious if others have had similar success with these cards.

Similar UW to their core cards inclusive of their other partner cards -- so not quite as 'lenient' as ELAN's. In the past, before they standardized their UW across most, if not all CCs, a variety of USB partner/co-branded CCs were a lot easier to qualify/obtain. Of course, anything is YEMV so you'll have to test the waters to confirm the results.

Re: Kroger (& Affiliates) Rewards card underwriting DPs?

TMDSCT — Sat, 04 Feb 2023 01:30:44 GMT

I never understood why a grocery store has a credit card, it just doesn't make sense to me.

Re: Kroger (& Affiliates) Rewards card underwriting DPs?

MySunrise271 — Sat, 04 Feb 2023 02:24:44 GMT

For most people in Illinois with the Mariano’s as their sole Kroger brand grocery store, that card make little to zero sense to app for. Mariano’s doesn't take mobile wallets and the 3% on dining and fuel could certainly be had with better cards (looking at my Citi Costco card or Citi CC card 🥰). As for the 2% in their store, well...yeah lets just say it's not a very competitive draw. Just my .02

Re: Kroger (& Affiliates) Rewards card underwriting DPs?

CreditCobra — Sat, 04 Feb 2023 02:34:17 GMT

Oddly, I wouldn't think of this card as a very good grocery card. However, I do like the 5% on digital wallet purchases. I can pay my auto and homeowner's insurance via Apple Pay, and that's a hard category to find 5% on.

For grocery, USAlliance is doing 6% for the rest of the year, 5% on AAA Daily Advantage (and I know that one isn't available to everyone). Another 5% option is Citi Custom Cash.

So yeah, I'd use this card for things other than grocery. Just my thoughts.

Re: Kroger (& Affiliates) Rewards card underwriting DPs?

Anonymous — Sat, 04 Feb 2023 02:40:43 GMT

@MySunrise271 wrote:
For most people in Illinois with the Mariano’s as their sole Kroger brand grocery store, that card make little to zero sense to app for. Mariano’s doesn't take mobile wallets and the 3% on dining and fuel could certainly be had with better cards (looking at my Citi Costco card or Citi CC card 🥰). As for the 2% in their store, well...yeah lets just say it's not a very competitive draw. Just my .02

As @CreditCobra suggests, the mobile wallet certainly isn't restricted to Mariano's (which apparently is just as well!) so you can get the card just for that. Sort of like the Max Cash, the institution on the card hardly matters.

Re: Kroger (& Affiliates) Rewards card underwriting DPs?

MySunrise271 — Sat, 04 Feb 2023 04:47:23 GMT

Thanks @Anonymous for the clarification 👍🏽

Re: Kroger (& Affiliates) Rewards card underwriting DPs?

JNA1 — Sat, 04 Feb 2023 14:22:41 GMT

I totally agree with the people above - I would not want this for a grocery card. We would want them for the mobile wallet category. We had ever done mobile wallets until last quarter when Disco offered 5% on mobile wallets. DW and I both used our Disco cards for holiday shopping, normal spend in town, auto parts stores, hardware stores, etc. getting 5% cash back in places we've never been able to before. It was the first time we've been able to organically max out the $1500 cash back cap on both of our Disco cards. We spent less on the AOD card last quarter In uncategorized spend than we have since we've had it.
2 of these cards would net us $300 in cash back per year and would earn another $200 in SUBs in the first year.

Re: Kroger (& Affiliates) Rewards card underwriting DPs?

LADave — Sat, 04 Feb 2023 16:07:58 GMT

@CreditCobra wrote:
For grocery, USAlliance is doing 6% for the rest of the year, 5% on AAA Daily Advantage (and I know that one isn't available to everyone). Another 5% option is Citi Custom Cash.

I thought there were DPs that applicants outside the right geographic areas for the card only need to put in a ZIP code of someone who is on the application page, and that AAA membership isn't required or even verified.