Kroger World Elite Mastercard vs. Capital One Walmart Rewards Mastercard
When it comes to grocery store credit cards, one card that comes to mind is the Capital One Walmart Rewards Mastercard*. It earns 5 percent on Walmart.com purchases, including pickup and delivery, 2 percent in Walmart stores and gas stations, restaurants, travel and 1 percent on all other purchases. Redemption options include statement credits, gift cards and travel reservations without a minimum needed.
In comparison with the Kroger World Elite card, the Walmart Rewards card is a clear winner. With more reward categories available, higher rewards at the Walmart store and more redemption options, it shows it may be more lucrative to be a Walmart shopper than a Kroger loyalist. Add the fact that you need a fair to good credit score makes the card available to more consumers. That being said, the Kroger card does have one advantage in its competitive variable APR of 15.49 to 28.49 percent versus the Walmart Rewards ongoing APR of 18.99% or 29.99% (Variable). For people with great credit, you may find a lower rate with the Kroger card.
Kroger World Elite Mastercard vs. Chase Freedom Flex
The Chase Freedom Flex rotating bonus categories typically include grocery stores each year, as well as superstores that offer grocery delivery and pickup. This perk, however, only lasts for three months and the cap of $1,500 is half of the Kroger card, plus requires activation.
The main advantage of the Chase Freedom Flex is that it is far more versatile. It has a better welcome offer of $200 bonus cash when you spend $500 within the first three months. You also receive 0 percent intro APR on purchases and balance transfers for 15 months followed by the 20.49 percent to 29.24 percent ongoing variable APR.
If you want a card that focuses more on grocery purchases and are a frequent Kroger shopper, the Kroger World Elite will be more beneficial. However, if you prefer the perks of a traditional credit card, the Chase Freedom Flex is an overall better choice.
Best cards to pair witch the Kroger Rewards World Mastercard
If you’re looking to pair the Kroger Rewards card with other credit offerings, consider an everyday cash back card and true points card that lets you earn and redeem points more easily.
While it makes sense to use your Kroger card at the grocery store or when buying fuel from Kroger-owned businesses, a flat-rate 2 percent cash back credit card, like the Citi Double Cash® Card (1% cash back when you buy, plus an additional 1% as you pay for those purchases), offers greater utility for other everyday purchases. Additionally, more popular cash back or points and miles cards are great for large purchases and let you redeem for everything from airfare to gift cards.