My Kroger card isn't saving me as much as I hoped it would. Is there another card out there that will let me save on groceries?

Answered on April 21, 2016
Updated on April 21, 2016
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
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, and worth having, but if you are really looking for savings on groceries, try a card that's dedicated to saving you money in that particular category. Other things to look for include a low APR, no annual fee, and easy reward redemption. Being able to choose between a statement credit, a gift card to your favorite store, or frequent flyer miles is a nice perk to have. And remember, it's fine to have more than one credit card. Most households have at least two, to maximize their rewards.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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BROWSE MORE QUESTIONS ABOUT Credit Card Rewards:

When you are thinking of applying for a credit card, all factors need to be taken into account, especially if you pay any fees for this card. With cash back cards, it's pretty simple - yes, in most cases they are worth it. Cash back cards give you plain and easy to use rewards that you can redeem on your purchases. So, basically you buy something and then erase its cost with your cash back. If your card has got fees and you tend to carry a balance, first calculate your overall spendings. See how much cash back you will earn with your average spendings with this card and then deduct the...
A cashback card is a card that gives you cash back as rewards. Basically this means that a percentage of the amount spent on purchases is returned to you. This percentage may differ depending on the terms of a credit card issuer that produces your card. For example, the amount of your cash back is 3%. It implies that if you spend $100 with this credit card, you'll earn $3. After you earn the rewards, you may redeem them on purchases. Cash back rewards can be redeemed for statement credits, cash or gift cards.
There are a lot of cards that will give you rewards when you shop at retail stores. Usually retail stores try to offer you a co-branded card with a discount on this brand's purchases, some minor rewards or special financing. However, you pay for these questionable benefits with very high APR and fees. And those cards are only appropriate for shopping at one brand. A better option for shopping would be to acquire a general rewards card. Such a card will let you earn rewards at any store and there are cards that have no annual fee and long periods of 0% intro APR.

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