There are many Kroker cards, personally I went for the Ralph's card. I used this card to pay my car and homeowner's insurance (via Apple Pay) which for me works out to around $2,900 a year so this is a near perfect fit.
I was looking for a way to get to 5% cash back on insurance which can be a rough category.
- Dillons Rewards World Elite Mastercard
- Fred Meyer Rewards World Elite Mastercard
- Fry's Rewards World Elite Mastercard
- Harris Teeter Rewards World Elite Mastercard
- King Soopers Rewards World Elite Mastercard
- Kroger Rewards World Elite Mastercard
- Mariano's Rewards World Elite Mastercard
- Pick 'n Save/Metro Market Rewards World Elite Mastercard
- QFC Rewards World Elite Mastercard
- Ralphs Rewards World Elite Mastercard
- Smith's Rewards World Elite Mastercard
If I've missed any, please let me know.
It's worth looking at the various options if you're interested in one of these cards, as some have SUBs.
I don't know if it's possible to have more than one of these cards, that would be good to know.
@CreditCobra wrote:There are many Kroker cards, personally I went for the Ralph's card. I used this card to pay my car and homeowner's insurance (via Apple Pay) which for me works out to around $2,900 a year so this is a near perfect fit.
I was looking for a way to get to 5% cash back on insurance which can be a rough category.
- Fred Meyer Rewards World Elite Mastercard
- Fry's Rewards World Elite Mastercard
- Harris Teeter Rewards World Elite Mastercard
- King Soopers Rewards World Elite Mastercard
- Kroger Rewards World Elite Mastercard
- Mariano's Rewards World Elite Mastercard
- Pick 'n Save/Metro Market Rewards World Elite Mastercard
- QFC Rewards World Elite Mastercard
- Ralphs Rewards World Elite Mastercard
- Smith's Rewards World Elite Mastercard
If I've missed any, please let me know.
It's worth looking at the various options if you're interested in one of these cards, as some have SUBs. (1)
I don't know if it's possible to have more than one of these cards, that would be good to know. (2)
(1) Yup, and some have better ongoing ben's like the Harris Teeter 3% gas, dining.
(2) Pretty sure it it possible!!!
Nice list CC! 
@Anonymous wrote:The cards are rather different so the choice depends on your mobile wallet spend (and other cards you have). I think Kroger Rewards is capped at $3000 5% mobile wallet spend, with no AF. The AR has an effective annual fee of $75 and uncapped 4.5% mobile wallet, so if you a) travel, b) spend a lot on potential mobile wallet and c) don't have a set of cards offering 4.5+% on many of your purchases, the AR makes sense. If your purchases are much less, the KR might make sense
The difference between 4.5% and 5.0% on the first $3K is only $15. Personally, while I realize there are those who disagree, I just don't want to take optimizing rewards to the point where I've added lots of cards and complexity to my wallet and card strategy. So I would take the AR at 4.5% uncapped in this conversation, even with the effective $75 AF* over having to manage multiple Kroger accounts for the same amount of spending. Even for those with modest spend, $3K doesn't go very far these days.
(*That $75 AF can be further offset by $25/year if using the TSA Global Entry credit, so ... $50 effective AF. Plus you have no FTF, Priority Pass Airport lounge access, and Visa Infinite benefits to include primary rental car CDW, $500K Travel Accident Insurance, Trip Cancellation/Interruption/Delay, Lost Baggage. Plus shopping protections to include Purchase Protection, Return Protection, and Extended Warranty extensions.) See >USB AR Benefits Guide< and >Benefits Brochure with full terms<.
I got Ralph's (5%, up to 3k per year). After a year, I got AR. Here are my notes:
I do suggest to go for AR only, even it has effective AF of $75. It gives 4.5% without cap on digital wallet (including Google Pay). It is my top card for in-store purchases at Costco. It is a Visa Infinite, having several perks for travelling and it is a good card to keep in a long run. Its SUB is great ($750) and in the first year, you can get the $325 credit twice.
Ralph's is a Master Card and it cannot get used for in-store purchases at Costco. It is not straightfoward to track the spends on some cards like this to see whether its cap got hit over a year. After receiving the AR, my Ralph's card went to SD.
Fico8: EX~EQ~TU~840 (12 month goal~850).
@ptatohed wrote:
@Aim_High wrote:
@Anonymous wrote:The cards are rather different so the choice depends on your mobile wallet spend (and other cards you have). I think Kroger Rewards is capped at $3000 5% mobile wallet spend, with no AF. The AR has an effective annual fee of $75 and uncapped 4.5% mobile wallet, so if you a) travel, b) spend a lot on potential mobile wallet and c) don't have a set of cards offering 4.5+% on many of your purchases, the AR makes sense. If your purchases are much less, the KR might make sense
The difference between 4.5% and 5.0% on the first $3K is only $15. Personally, while I realize there are those who disagree, I just don't want to take optimizing rewards to the point where I've added lots of cards and complexity to my wallet and card strategy. So I would take the AR at 4.5% uncapped in this conversation, even with the effective $75 AF* over having to manage multiple Kroger accounts. Even for those with modest spend, $3K doesn't go very far these days.
(*That $75 AF can be further offset by $25/year if using the TSA Global Entry credit, so ... $50 effective AF. Plus you have no FTF, Priority Pass Airport lounge access, and Visa Infinite benefits to include primary rental car CDW, $500K Travel Accident Insurance, Trip Cancellation/Interruption/Delay, Lost Baggage. Plus shopping protections to include Purchase Protection, Return Protection, and Extended Warranty extensions.) See >USB AR Benefits Guide< and >Benefits Brochure with full terms<.
The issue I see here is, with the Kroger series of WE MC cards, 5% is truly 5% (cash, king). The USB AR is 'only' 4.5% (vs 3%) if redeemed for travel through their portal (and, really, less than 4.5% when you calc in the effective $75 AF). How do we know their portal is the lowest rate? And what if we just want cash and not travel? For me, the flexibility of true CB is immensely more powerful than being constrained to one portal's travel options.
That's not correct. Real Time Rewards also has the 1.5x multiplier for points redeemed on Altitude Reserve when making purchases directly with airlines, hotels, car rental agencies, and other travel purchases. It's not necessary to use the portal.
