Kroger (& Affiliates) Rewards card underwriting DPs?

[LADave]

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@Bill77 wrote:

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@LADave wrote:

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@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. 

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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.

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

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

[JNA1]

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@Bill77 wrote:

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@LADave wrote:

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@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. 

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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.

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

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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. 

[FinStar]

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@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. 

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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.

[TMDSCT]

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

[MySunrise271]

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

[CreditCobra]

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.

[Anonymous]

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@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

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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.

[MySunrise271]

Thanks @Anonymous for the clarification 👍🏽

[JNA1]

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. 

[LADave]

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@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.

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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.