The Review:

I have had the Kroger 123 card for one year now and the rewards are great! You can really rack up on the points by shopping in Kroger and by buying Kroger items. I have already received $35 back in reward certificates which you redeem in the store. My FICO score was not 742, or near that when I applied for the card and I was approved. When I applied for the card , I requested a balance transfer since it was offered 0% for 12 months. They have awesome online account management that is very easy to work with. You can have a payment post the same day as long as it is posted before 4 or 5 PM EST. That is very convenient. I highly recommend this card! I thought it was funny at first for a grocery store to have it's own credit card, but with rewards like this, I use it all the time!

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