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Reloadable Prepaid Cards at Kroger

Make budgeting simple by loading a Prepaid Card.

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Fry's King Soopers Smith's City Market QFC Ralphs
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Reloadable Prepaid Cards give you complete flexibility. Add funds with cash, card-to-card transfer, mobile deposit, direct deposit and bank transfers.

  • Make purchases online and in person
  • Use anywhere debit cards are accepted
  • Get cash back at Point-of-Sale
  • Withdraw money at ATMs
  • Buy your Prepaid Card online or in store
  • Want to know more? Find out more about us

Limited Offer Tax Time 2020

Keep your tax refund safe and secure by direct depositing it using our Prepaid cards this tax season:
  • Receive your refund faster
  • Access Prepaid card offers and benefits
  • Safer than cash
Find out more

Buying a

Getting a new Prepaid Card is simple and convenient at Money Services.

In Store

  • 1

    Find your nearest location in the Kroger Family of Stores.

  • 2

    Get a temporary Prepaid Card.

  • 3

    Add funds.

  • 4

    Register your card online or call the 800 number.

  • 5

    When your permanent card arrives, activate it – your balance will automatically transfer.

Image of dollar bills and a checkbook

Online

Reloading your

Reloading your card is quick and easy, though some fees or transaction limits may apply depending on the way you choose to add funds.

You can reload the following ways:

  • Take cash to any Kroger Family of Stores checkout lane.

  • Direct deposit

  • Move money between cards in a Card-to-Card transfer

  • Photograph a check and send funds via Ingo Money

  • Transfer money from your PayPal account

  • Use a Reload chit

What cards can you buy through Money Services?

The Kroger Family of Stores give you access to a wide range of cards through Money Services. Each has its own benefits. Find out more about the types of Prepaid Cards available below:

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KROGER REWARDS PREPAID VISA®

The only card that earns you money off your grocery bill and savings on fuel!

  • Meaningful rewards – for every 1,000 points, earn $5 in free groceries*
  • Save an extra 5¢ per gallon at Kroger Family of Stores Fuel Centres**
  • $10 credit to your card when you sign up for Direct Deposit‡
  • Manage your card 24/7 online or with the Mobile App
  • Use everywhere Visa debit is accepted

Find the right card for you

Getting the right card for you is important. Browse the different options available, tell us your priorities and we'll recommend the perfect card.

Get started

How muchWill I Pay?

If you’re still not sure about which card is for you, compare the associated fees below. Remember that the cheapest card may not be the best for you long term. Speak to one of our trained in-store team if you have further questions.

Card Card Art Activation Fee Cash Reload Fees Max Monthly Fee ATM Fee Rewards Direct Deposit Mobile App Email/Text Alerts Overdraft Fees Max Balance Online Bill Pay Fee
Kroger REWARDS Prepaid Visa® Kroger Prepaid Visa packaging $1.50 $3.00

$4.95

Withdrawals
$2.50 in-network
$2.50 out-of-network

Balance Inquiry
$0.50

Free Groceries* & Discount Fuel**

Yes

Does not offer overdraft $10,000 N/A
Ralphs Rewards Prepaid Visa®Only available at Ralphs stores Ralphs Rewards Prepaid Visa packaging $1.50 $3.00

$4.95

Withdrawals
FREE in-network
$2.00 out-of-network

Balance Inquiry
$0.50

Free GroceriesȽ

Yes

Does not offer overdraft $10,000 N/A
Fred Meyer Rewards® Prepaid Visa®Only available at Fred Meyer stores FredMeyer Prepaid Visa packaging $1.50 $3.00

$4.95

Withdrawals
$2.50∴ in-network
$2.50 out-of-network

Balance Inquiry
$0.50

Free Groceries* & Discount Fuel**

Yes

Does not offer overdraft $10,000 N/A
Green Dot Reloadable Prepaid Visa® Card green dot Visa card packaging $1.95 $4.95

$7.95 – deducted
The first time you use your card, day after you register the card, or 90 days after card purchase, whichever happens first

$3.00

None

Yes
Get your pay up to 2 days before payday! Get your government benefits up to 4 days before benefits day!2

None $10,000 N/A
Green Dot 5% Cash Back Visa® Debit Card green dot Visa Debit Card packaging $1.95 $4.95

$9.95 – deducted
The first time you use your card, day after you register the card, or 90 days after card purchase, whichever happens first

$3.00

5% cashback

Yes
Get your pay up to 2 days before payday! Get your government benefits up to 4 days before benefits day!2

None $10,000 N/A
PayPal™ Prepaid MasterCard® PayPal Prepaid Mastercard packaging $2.95 $3.95

$4.95 – deducted
within 36 hours of your first cash load

Withdrawals
$1.95

Balance Inquiry
$0.50

None

Yes
Get paid 2 days before payday

Does not offer overdraft $15,000 N/A
NetSpend® Visa® Prepaid Card netSpend Prepaid Card packaging $2.95 $3.95

$9.95

Withdrawals
$2.50

Balance Inquiry
$0.50

None

Yes
Get paid 2 days before payday

Does not offer overdraft $15,000 N/A

What is

Money Services is part of the Kroger brand. Fred Meyer and Dillon’s are just two of the 12 stores included in the Kroger Family of Stores. This means you’ll find Money Services locations all over the US.

Protecting your money is vital to us, whether you’re cashing a check, paying a bill or loading a Prepaid Card. Find out more about how Money Services is regulated or how we secure your transactions.

Top 5 FAQs

There are a number of ways to load money onto your Prepaid Card. You can buy and reload some cards online or go into your nearest Money Services to get a Prepaid Card. Find out more about reloading a Prepaid Card.

It’s easy to find your nearest Money Services location in the Kroger Family Stores. Our store locator tool is quick and simple.

There is normally a small fee to activate and reload a Prepaid Card. Look out for promotions and offers to save money. More information about how much a Prepaid Card will cost can be found here.

The right Prepaid Card for you depends on your priorities and how you want to use it. Use our priorities tool to help you decide.

Most Prepaid Cards are accepted anywhere in the US that accepts debit cards. You can use them online and in stores, though fees may apply.

Related Pages

*Your account must be open and in good standing to earn points and redeem coupons. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Eligible net purchases do not include purchases made at the Kroger Family of Companies or Fred Meyer Fuel Centers, lottery tickets, Gift Cards, Money Orders, Recharge Card™, prescriptions, on any applicable fees or taxes, or when you purchase alcohol or tobacco at a Kroger Family of Companies or Fred Meyer location.  You may not redeem Rewards, and you will immediately lose all of your Rewards if the Card account is closed for any reason (including, but not limited to, due to Program misuse, bankruptcy, or death).  Points expire 24 months from month issued.  Electronic coupons expire 12 months from issue date.  Rewards program is subject to change without notice.  See your Kroger REWARDS Prepaid Debit Cardholder Agreement or your Fred Meyer Rewards Prepaid Debit Cardholder Agreement for details.

**Effective for a limited time only at participating Kroger Family of Companies and Fred Meyer Fuel Center locations. Fuel discount requires minimum 100 Fuel Points earned by making qualifying purchases at Kroger Family of Companies or Fred Meyer. Purchases made at Kroger Family of Stores or Fred Meyer Fuel Centers do not earn Rewards Points or Fuel Points. Offer not valid with any other discount offers. Please see store for fuel discount details and in-store spending requirements. Maximum fuel points that may be redeemed in a single transaction vary by location. Limit 35 gallons per transaction. Not valid in LA, MO, or where prohibited by law.

Ƚ Your account must be open and in good standing to earn points and redeem e-certificates. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Eligible net purchases do not include lottery tickets, Gift Cards, Money Orders, Recharge Card™, prescriptions, on any applicable fees or taxes, or when you purchase alcohol or tobacco at a Ralphs location.  You may not redeem Rewards, and you will immediately lose all of your Rewards if the Card account is closed for any reason (including, but not limited to, due to Program misuse, bankruptcy, or death). Points expire 24 months from month issued.  E-certificates expire 12 months from the issue date.  Rewards program is subject to change without notice. See your Cardholder Agreement for details.

 

×Except for Harris Teeter, Pick ‘n Save, Metro Market & Mariano’s

One-time $10 credit will be applied within 30 days after a successful first direct deposit of $10 or more is made to a Personalized Reloadable Card account. Account must be open and in good standing at the time of the credit. Offer not valid for existing accounts receiving direct deposit.

The Kroger REWARDS Prepaid Debit Card is issued by U.S. Bank National Association, Member FDIC, pursuant to a license from Visa U.S.A.. Card is intended for long-term use. Monthly service fee and other fees apply.

The Fred Meyer Rewards® Prepaid Debit Card is issued by U.S. Bank National Association, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Card is intended for long-term use. Monthly service fee and other fees apply.

The Ralphs Rewards Visa® Prepaid Debit Card is issued by U.S. Bank National Association, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Card is intended for long-term use. Monthly service fee and other fees apply.

ωSuccessful identity verification required.

Ingo Money is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Approval usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be funded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See your Cardholder or Account Agreement for details.

The fee is waived for your first ATM withdrawal per month from an ‘in-network’ ATM that is part of the MoneyPass® ATM network.

1 Monthly and other fees apply. See card package for details.

2 Timing depends on deposit verification and when we get notice from your employer or benefits provider and may vary from pay period to pay period. But when we get it, you’ll get it.

***Green Dot cards provided by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A Inc. Visa is a registered trademark of Visa International Service Association.

Green Dot Bank operates under the following registered trade names: GoBank, Green Dot Bank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage.

NETSPEND

  1. IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.
  2. Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.
  3. Fee may be assessed by reload location and may vary from location to location.
  4. No charge for this service, but your wireless carrier may charge for messages or data.
  5. PayPal Transfers require a PayPal account and a personalized card, which arrives within 10 business days after activation of your instant-issue card. If you do not already have a PayPal account you will link to this Card, visit www.paypal.comto get one, or you may get one when you activate this card online. PayPal account required for certain features, but not to have the PayPal Prepaid Card. Transfers may not exceed $300 per day/$2,000 per rolling 30 days and are limited to the funds available in your PayPal account. Transfers may only be made in the name of a valid PayPal Prepaid Mastercard Cardholder. Only one (1) PayPal Prepaid Mastercard may be linked to one (1) PayPal account. PayPal Transfers cannot be reversed or canceled. The Bancorp Bank and Mastercard are not affiliated with, and neither endorses nor sponsors the PayPal.com online account to which various funding sources, including a PayPal Prepaid Card, may be linked.

The Netspend Visa Prepaid Card is issued by Axos Bank®, pursuant to a license from Visa U.S.A. Inc. The PayPal Prepaid Mastercard is issued by The Bancorp Bank, pursuant to license by Mastercard International Incorporated. The Axos Bank and Bankcorp Bank, Members FDIC. Please see the back of your Card for its issuing bank. Netspend, a TSYS® Company, is a registered agent of Axos Bank and The Bancorp Bank. The Netspend Visa Prepaid Card may be used everywhere Visa debit cards are accepted. The PayPal Prepaid Mastercard may be used everywhere Debit Mastercard is accepted. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms and conditions apply to the use and reloading of the Card Account. See Cardholder Agreement for details.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

© 2019 Total System Services, Inc.® TSYS® and Netspend are federally registered U.S. service marks of Total System Services, Inc.All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with this card program. All rights reserved.

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