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Reloadable Prepaid Cards at Kroger

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What is a RELOADABLE

Reloadable Prepaid Cards are cards you can add money to via cash load, Card-to-Card Transfer, mobile deposit, Direct Deposit and bank transfers. These can then be used to make purchases in store and online, withdraw money from ATMs, get cash back at Point-of-Sale, or use anywhere debit or credit cards are accepted.

Why use a Reloadable

There are many reasons why you’d use a prepaid card instead of cash. It’s quick, easy and means you can keep better track of what you’re spending. With your prepaid card you can:

No credit check required!

Pay your bills: Make fast and secure payments to your utility or cell phone provider, pay your rent, car loan and more.

Send and receive money: You can easily swap funds from one account to another with Card-to-Card Transfer.

Spend money more securely: Your card is protected with a unique PIN and can be cancelled and replaced quickly if you lose or have your card stolen.

Avoid bank fees on credit and debit cards

Use as a budgeting tool to get your finances in order or teach your kids how to manage their finances

Choose the rightCard for you

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® $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

None $10,000 N/A
Ralphs Rewards Prepaid Visa®Only available at Ralphs stores $1.50 $3.00

$4.95

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

Balance Inquiry
$0.50

Free GroceriesȽ

Yes

None $10,000 N/A
Fred Meyer Rewards® Prepaid Visa®Only available at Fred Meyer stores $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

None $10,000 N/A
Green Dot Reloadable Prepaid Visa® Card $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 $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® $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 $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

Visit your

You can pick up a temporary card while you’re waiting for yours to arrive so you can start making purchases straight away. Having your own prepaid card is just like having a debit card but with no overdraft fees.

Find the right card

Kroger Rewards

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 out more

Ralphs Rewards Prepaid Visa®

  • Free groceries at Ralphsƚ
  • No credit checkω
  • Shop and pay bills online
  • Use everywhere Visa debit is accepted

 

Find out more

Fred Meyer Rewards® Prepaid Visa®

  • Free groceries* & fuel** at Fred Meyer
  • No credit checkω
  • Shop and pay bills online
  • Use everywhere Visa debit is accepted

 

Find out more

netspend Prepaid Cards

Boost your spending power in store or online using Netspend Prepaid cards. Withdraw cash from ATMs anytime and protect against unauthorized transactions.

NetSpend® Visa® Prepaid Card

  • No credit checks1
  • No minimum balances
  • No cost Direct deposit Get paid up to 2 days faster.2
  • Reload at over 130,000 locations3

 

PayPal Prepaid MasterCard®

  • No credit checks1
  • No minimum balances
  • Manage your money on the go with the PayPal Prepaid Mobile App.4
  • Reload at over 130,000 locations3
  • Link to PayPal account and move money with your personalized card5

 

Green Dot Prepaid Cards

The perfect account to deposit your tax refund, your paycheck, or cash. Plus, track your money 24/7 with the mobile app.

Green Dot Reloadable Visa® Prepaid Card

  • No overdraft fees, ever1
  • No minimum balance required
  • Free ASAP Direct Deposit™ Get your pay up to 2 days before payday. Get your government benefits up to 4 days before benefits day2
  • The monthly balance is waived when you load $1,000 or more in the previous monthly period
  • Use everywhere Visa is accepted in the US***

 

Green Dot 5% CashBack Visa® Debit Card

  • Earn 5% on purchases, up to $100 cash-back annually
  • No overdraft fees ever1
  • No minimum balance required
  • Free ASAP Direct Deposit™ Get your pay up to 2 days before payday. Get your government benefits up to 4 days before benefits day 2
  • No purchase transaction fees
  • Use everywhere Visa is accepted in the US***

 

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

How do I use a

  • Get A Temporary Prepaid Card

    Visit a Kroger Family of Stores×, purchase a temporary prepaid card and deposit funds. Register online or call the 800 number to use this card it until your permanent one arrives in the mail (7-10 business days)

  • Activate Your Card

    Activate your card once it arrives and your temporary card balance will automatically transfer

  • Reload Your Permanent Prepaid Card

    Easily reload your card at participating Kroger Family of Stores×

How to

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:

  • With cash:

    This can be done at any Kroger Family of Stores checkout lane.

  • By direct deposit:

    A free and easy way to load your card

  • Transfer Card-to-Card

    Log on and easily move money between cards

  • Mobile Check Load with Ingo Money

    Take a photo of your check on your phone and send the funds to the app

  • Log on to PayPal

    Transfer money from your PayPal account

  • Using a Reload chit

    Buy a Reload chit to quickly add funds to your card

How to get a Reloadable

  1. Get a Card Online
    All you need to do is provide some personal details and you’re ready to go. Sign up below by clicking the link to the right card for you.
    Kroger REWARDS Prepaid Visa® | Ralphs Rewards Prepaid Visa®
    Fred Meyer Rewards® Prepaid Visa®
  2. Activate
    Your card will be ready to activate as soon as it arrives in the mail. Your card will arrive between 7 to 10 days.
  3. Load it up
    To start using your card, just add funds. How to reload.

*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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