Best Credit Cards

advertiser disclosure
BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.

Whether you’re shopping for groceries or filling up your tank, it’s always a nice feeling to know you’re earning cash back when you swipe your credit card at the register. The question many of us have, though, is which cash back credit card is the best one to have at the ready next time we’re stocking up on essentials or fueling up for the week. If you shop at one grocery store most of the time, such as a Kroger store, you might be wondering if getting a store credit card is the best idea.

Best Credit Cards
0% Intro APR
$0 Annual Fee
for Limited Credit
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
N/A 0% (15 months (on balance transfers made within 45 days of account opening)) 15.24%, 20.24% or 25.24%* Variable $0
Card Details:
  • Get a $100 cash rewards bonus after you spend $500 in purchases in the first 90 days after account opening
  • Earn unlimited 1.5% cash rewards on every purchase
  • Every time you redeem, get a 5% cash rewards redemption bonus to use toward your next redemption
  • Redeem your cash rewards for a deposit into your bank account, a statement credit or gift cards. Redemptions start at $50
  • Cash rewards do not expire as long as your account is open, active and in good standing
  • 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that a variable APR will apply, 15.24%, 20.24% or 25.24%, based on your creditworthiness. Please note, there is a fee for balance transfers
  • No annual fee
Apply Online!
Consumer Rating: 5 / 5
1-2-3 REWARDS® Visa® Card
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
0%
(9 billing
cycles)15
0%
(9 billing
cycles)15
14.24% -
24.24% (Variable)15
$015
Card Details:
  • 0% introductory APR on purchases and balance transfers for 9 billing cycles, after that a variable APR.15
  • Save an Additional 25¢ per a gallon for the first three months when you redeem 100 fuel points at participating Kroger family of stores fuel centers.15
  • 2 points per $1spent in the Kroger® family of stores (excluding fuel centers).15
  • 1 point per $1spent anywhere Visa Cards are accepted.15
  • Every 1,000 points earned gets $5 in free groceries. Rewards sent automatically every quarter.15
See Details
Consumer Rating: 3 / 5
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
N/A N/A 24.99% (Variable) $0
Card Details:
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
Apply Online!
Consumer Rating: 5 / 5
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
0% (15 months) 0% (15 months (on balance transfers made within 45 days of account opening)) 13.49% Variable $0
Card Details:
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.49%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
Apply Online!
Consumer Rating: 4 / 5
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
N/A N/A 24.99% (Variable) $39
Card Details:
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use
Apply Online!
Consumer Rating: 5 / 5
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
N/A 0% (12 months (on balance transfers made within 45 days of account opening)) 16.49%, 20.49% or 23.49%* Variable $89 - waived first year
Card Details:
  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.49%, 20.49% or 23.49%, based on your creditworthiness. Please note, there is a fee for balance transfers
Apply Online!
Consumer Rating: 5 / 5
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
N/A N/A 15.90% - 24.40% Variable $0 - $99
Card Details:
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included.
  • Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Apply Online!
Consumer Rating: 5 / 5
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
N/A N/A 23.9% $35 - $99*
Card Details:
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Apply Online!
Consumer Rating: 4 / 5
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Intro APR on Purchases Intro APR on Balance Transfer Regular APR Annual Fee
N/A N/A 15.90% - 24.40% Variable $0 - $99
Card Details:
  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
Apply Online!
Consumer Rating: 5 / 5
Get Your CARD MATCH
Check if you're pre-qualified for credit cards
  • It takes less than 1 minute
  • Will Not Affect Your Credit Score
Please, select your credit score
Please, select your bankruptcy status
Please, select your state
Select the state of your residence
Check off your current active bank accounts. Don't check anything if you haven't active accounts.
This service finds the credit cards which suit your situation best. However, only card issuers decide whether you'll be approved or not for a credit card.

Choosing a credit card

If you’re thinking of getting a Kroger credit card, you might also be interested in a cash back credit card that lets you save no matter where you shop. After all, it’s not always convenient to go to the same grocery store every week, and if you’re traveling, you probably also want to be able to earn credit card rewards from the errands you run on your trip away from home. A cash back rewards card that isn’t tied to a particular store is a more flexible way of earning points, miles, or statement credits that make spending money on basic necessities really pay off. You can easily find a rewards credit card with no annual fee, a low APR, and even a signup bonus that will give you a reward after spending a certain amount of money on your card in the first few months you have it.


One thing many people worry about when applying for a new credit card is whether their credit score will be good enough to be approved for the card. There are three basic levels of creditworthiness: limited credit, average credit, and good credit. If you have limited credit, your choices might be a little narrower than if you have average credit. And if you have good credit, or excellent credit, you’ll have many more credit card choices available to you. But when you’re looking at store credit cards, there’s usually not much reason to worry. Most of them will approve customers even if their credit score isn’t perfect. They may have a lower credit limit or a higher APR, but they can still get a rewards credit card, if they choose the right one. Of course, a store credit card is not going to be as flexible as an unsecured credit card, because it might be good only at the one particular merchant that issued the card. So that’s one thing to keep in mind when making your choice.

READ ALSO RECENT FAQs:
September 17, 2016
Many people have trouble understanding the distinctions between a prepaid card and a regular credit card. But the difference is pretty easy to see, once it's explained. With a credit card, you are issued a line of credit which you can borrow against, but which you will have to repay. With a prepaid card, you load your own money onto the card initially, and ...
Continue»
July 05, 2016
If your grocery rewards card is actually a customer loyalty card, rather than a credit card, then the answer is that you can probably use both cards next time you belly up to the grocery register counter. Using store loyalty cards that earn you points and discounts, and then using a credit card that gives you cash back is sometimes called double dipping. ...
Continue»
April 21, 2016
If the card you are using isn't paying off quite the way you'd hoped, in terms of discounts and rewards, there are plenty of other rewards credit cards to choose from. Look for one that offers special savings on groceries all year long, rather than a card that gives 5% back only in certain categories that change each quarter. These cards are a good value, ...
Continue»

15 The card´s rates, fees and other terms are subject to change. Therefore, we do not guarantee that information presented on this page is current and up to date. Please, visit the bank´s or credit card company´s website to review the current Terms & Conditions.

Copyright © 2001-2017 BestCreditOffers.com All Rights Reserved.

* The BestCreditOffers.com.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. BestCreditOffers.com.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the BestCreditOffers.com.com website are property of their respective owners.

BestCreditOffers.com makes every effort to keep information up to date and accurate. However, the information regularly changes and is presented without warranty. Therefore, we strongly recommend all our readers to visit the credit card application page by clicking "Apply Online!" button to review the detailed credit card's terms and conditions. Note that BestCreditOffers.com may be compensated by the credit card issuers when the readers apply for a credit card through this site.

BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.