Kroger REWARDS Debit Card

Important Information

These Terms and Conditions govern the Rewards Debit Card issued by The Kroger Co. The Rewards Debit Card is not issued by your bank. Please read the Rewards Debit Card Agreement below for an explanation of the terms and conditions that apply to the Rewards Debit Card. Without limiting the more detailed explanation below, please be aware that:

  • Timing: When you use your Rewards Debit Card, you are authorizing us to initiate an automated clearinghouse debit to your linked Deposit Account. It may take several days for that debit to be applied to your Deposit Account balance.
  • Available Funds: Because we do not hold your Deposit Account, we do not know if you have sufficient funds in your linked Deposit Account to pay the relevant transaction amount when you authorize a transaction. You are responsible for making sure you have enough money in your linked Deposit Account to pay each transaction from the date of the transaction through the date your linked Deposit Account is actually debited.
  • Fees: If a transaction you authorize with your Rewards Debit Card is returned for any reason, we will charge you a Returned Payment Fee, as detailed below. In addition, your bank may charge you its own fees for returned transactions, such as insufficient funds fees. If a transaction exceeds the available balance of your linked Deposit Account, your bank may pay the transaction from an overdraft feature or line of credit associated with your Deposit Account, regardless of whether you have authorized the use of an overdraft feature on debit cards issued by your bank. In that case, you also may incur overdraft fees or interest charges.
  • Other Benefits and Protections: You will earn rewards in the Kroger Rewards Program based on your use of the Rewards Debit Card as further described herein. However, any debit card loyalty program provided by your bank will not apply, and you will not receive any protections that your bank applies to its own debit cards.
  • Your Liability: The limitations of liability described below may vary from the liability provisions associated with any debit card provided by your bank.

1. Rewards Debit Card Agreement; Terms and Conditions

This Rewards Debit Card Agreement (“Agreement”) is between you and The Kroger Co. This Agreement governs our and your responsibilities with respect to your Rewards Debit Card (“Card”). Each Card may bear the brand, logo, name or other identifier of The Kroger Co. or one of the Kroger Family of Companies. A current list of the Kroger Family of Companies (and applicable exclusions), which may change from time to time, may be found at https://www.thekrogerco.com/about-kroger/our-business/. Regardless of the branding of your Card, the Card is issued by The Kroger Co. and shall be subject to the terms of this Agreement. The Card will be linked to a deposit account designated by you (“Deposit Account”) at a third party financial institution (“Depository Bank”). By submitting an application for a Card, you agree that you have read and will keep a copy of this Agreement and the Privacy Policy (as defined in Section 18 below) for your records.  

As used in this Agreement, the terms “we,” “us,” and “our” refer to The Kroger Co. Further, as used in this Agreement, the terms “you” and “your” refer to each person who has signed or otherwise submitted an application and/or other forms when opening or requesting a Card and each other person who is liable to pay us for amounts due as a result of Card use.  

2. Your Deposit Account

You represent and warrant to us that the Deposit Account you designate to link to your Card is held at a financial institution located in the United States, you are an owner of the Deposit Account and you are authorized to initiate transactions to and from your Deposit Account to the full extent set forth in this Agreement. You understand and acknowledge that the Card is issued by The Kroger Co. and that it is not issued by your Depository Bank. The account agreement governing the terms and conditions of your Deposit Account is between you and your Depository Bank and is in addition to and separate from this Agreement. The terms, benefits and protections associated with your Card vary in some ways from those that apply to a debit card issued by your Depository Bank. By way of example, if you use this Card to make a purchase that exceeds the balance in your Deposit Account, your Deposit Account may become overdrawn even if you chose not to allow overdrafts with respect to a debit card issued by your Depository Bank. In such a case, you may incur associated overdraft fees and/or interest assessed by the Depository Bank, in addition to other fees that we or the Depository Bank may charge. Similarly, the liability limits applicable to this Card may differ from the liability limits applicable to a debit card issued by your Depository Bank, and the Kroger Rewards Program benefits (described in Section 3 below) for the Card will differ from the loyalty benefits (if any) provided by your Depository Bank.

3. Kroger Rewards Program; Other Benefits

You must apply for a Card online through a digital account you establish with us. If you apply for and are approved for a Card, we will associate your Card with a loyalty rewards program offered by The Kroger Co. and its affiliates (“Kroger Rewards Program”). We will associate your Card with the Kroger Rewards Program number you use to log in to your digital online account with us and apply for a Card. If you establish a new digital account with us at the time you apply for your Card, we will issue you a new Kroger Rewards Program number at the time you establish your digital account and that number will be associated with your Card.  

You will earn Kroger Rewards Program points on eligible net purchases (eligible purchases (exclusive of taxes) minus returns and credits) made with your Card. In connection with the Kroger Rewards Program, in general (and unless otherwise provided in other terms and conditions, FAQs or other materials provided by Kroger in connection with a particular product or promotion), Kroger Rewards Program participants earn one (1) point for each one dollar ($1) spent on eligible purchases. In addition, when you use your Card to make an eligible purchase, you will earn an additional point five (0.5) Kroger Rewards Program points for each one dollar ($1) you spend on eligible purchases. For example, if you buy one hundred dollars ($100) in eligible purchases using your Card, you will earn a total of one hundred fifty (150) Kroger Rewards Program points in connection with that eligible purchase. Points may take up to forty-eight (48) hours to be credited to your account. Certain purchases, which we may change from time to time, are not eligible to earn Kroger Rewards Program points. Purchases that are not eligible for Kroger Rewards Program points may be found in the answers to the Frequently Asked Questions about the Kroger Rewards Program (“Rewards FAQs”). See link to the Rewards FAQs below. 

Kroger Rewards Program points earned in any month will expire at the end of the next month. Kroger Rewards Program points do not accumulate across months. Each month is a separate accumulation period. Kroger Rewards Program points earned in separate months cannot be combined in the same transaction. A Kroger Rewards Program expiration chart is available in the Rewards FAQs. See link to the Rewards FAQs below.

You may redeem Kroger Rewards Program points earned through the Kroger Rewards Program as set forth in the Rewards FAQs. See link to the Rewards FAQs below.

The Rewards FAQs are available at: https://www.kroger.com/fuelfaqs.

In addition to earning Kroger Rewards Points using your Card, you will earn a discount in an amount equal to two percent (2%) of the aggregate cost (exclusive of tax) of Kroger Our Quality Brand products you purchase using your Card. This discount will automatically be applied to and deducted from your next purchase made using your Card. Discounts may take up to forty-eight (48) hours to be credited to your account. Visit www.kroger.com/b/ourbrands for a complete list of Kroger Our Quality Brands. 

We may eliminate, or modify the terms of, the Kroger Rewards Program or the discount described herein pursuant to a change in terms as described in Section 4 of this Agreement.

In addition to the discount on Our Quality Brand Products and the ability to earn and redeem Kroger Rewards Program points described in this Agreement, we may offer you special promotions or discounts from time to time in connection with your Card. Any such special promotion or discount will be subject to the terms and conditions provided or made available in connection with such special promotion or discount.

4. Change In Terms

Subject to the governing law of this Agreement (set forth in Section 20(c)), we may amend the terms of this Agreement, including any applicable fees, at any time. We will deliver notice of any such changes to you by sending you an email to the most recent email address you have provided to us. Except to the extent specified in a notice of change in terms, any changes will take effect upon the earlier of thirty (30) days following delivery of written notice of such change to you or the first use of your Card following delivery of written notice of such change. If you object to a change we make to this Agreement, you may cancel your Card in accordance with the process set forth in Section 17 prior to the effective date of such changes.

5. Authorized Users

You understand and agree that if you authorize or permit another person to use your Card, your authorization will be deemed to be without limitation and the authorized user will be permitted to use the Card for any purpose, and in any amount, permitted under this Agreement. You agree to pay for all purchases made with your Card by an authorized user, whether or not such purchases were made for your benefit.  

6. Transaction Authorization

By initiating a transaction with your Card, you authorize us to initiate electronic fund transfers (“EFTs”) for the full amount of the transaction(s) (and all related fees) to and from your Deposit Account. You acknowledge that the EFT to debit your Deposit Account will occur after you initiate and authorize the transaction with your Card. We expect that the debit from your Deposit Account will generally occur within five (5) business days after you authorize a transaction, although it may occur after such five (5) business day time frame or it may occur as quickly as the same day that you authorize a transaction. Regardless of when the debit to your Deposit Account occurs, you agree that you will maintain sufficient funds in your Deposit Account to cover the full amount of any transaction you initiate with your Card from the time you initiate such transaction until the transaction has been debited from your Deposit Account. You acknowledge and agree that we will not verify whether you have sufficient funds in your Deposit Account to cover the transaction at the time you initiate the transaction or at the time we initiate the EFT to your Deposit Account. You understand and agree that if you do not have sufficient funds in your Deposit Account at the time the debit is applied, your Depository Bank may return the EFT or may pay it from an overdraft feature or line of credit, and may charge you fees and/or interest as permitted under its agreement with you. Further, you acknowledge and agree that we will not decline a transaction you initiated based on whether sufficient funds in your Deposit Account at the time you initiate the transaction or at the time we initiate the EFT to your Deposit Account, although we may decline the transaction based on other risk criteria. Further, if any EFT you authorize is returned by the Depository Bank for any reason, you also authorize us to initiate an EFT from your Deposit Account in the amount of the Returned Payment Fee (as defined in Section 11).  

Your authorizations will remain in effect until we have received written notification from you of your cancellation of your Card in such time and in such manner as to afford us and the Depository Bank a reasonable opportunity to act on such cancellation. You may cancel your Card, thereby revoking your authorizations, as provided in Section 17.  

7. EFT Types

You agree that you will use your Card only for permissible personal, family and household purposes. 

Subject to the limits set forth herein, including in Section 9, you may use your Card only (a) to pay for goods, including fuel, and services at stores and retail channels operated by the Kroger Family of Companies in the United States, (b) to pay for goods and services online at websites operated by or on behalf of the Kroger Family of Companies, including Kroger.com, and other websites or mobile applications that we designate from time to time (“Kroger Websites and Apps”), (c) to pay for goods and services for which we accept payment over the telephone and (d) to receive cash back at the point of sale in retail locations operated by the Kroger Family of Companies, in each case subject to certain exclusions. Participating locations (and applicable exclusions), which we may update from time to time, can be found at https://www.thekrogerco.com/about-kroger/our-business/. Notwithstanding the foregoing, we may restrict the use of your Card to make purchases from certain third parties that sell goods and/or services in our physical retail stores or via Kroger Websites and Apps.  

To pay for goods or services or receive cash back at the point of sale at stores operated by the Kroger Family of Companies, you must present your Card and enter your PIN. As used in this Agreement, the term “PIN” means the personal identification number (or other personally identifiable data) associated with your Card that is used to authorize a transaction initiated with your Card. To pay for goods or services on Kroger Websites and Apps or for permitted telephone purchases, you must follow the authentication instructions we give you, which may include providing your Card number, PIN, mobile password, biometric data and/or other authentication information. Except as set forth herein, you will be liable for all EFTs initiated with your Card (and all related fees, including any Returned Payment Fee).

In addition, from time to time, we may provide you the opportunity to use your Card to make purchases of goods and/or services from designated third parties. These offers may be subject to terms and conditions, including limited durations, in addition to or different from those provided in this Agreement, which will be described in the offer. Unless otherwise expressly stated in such offers, the terms of this Agreement shall apply to any offer. 

We may provide you the opportunity to use your Card to authorize recurring preauthorized EFTs from your Deposit Account. If you use your Card to authorize a recurring preauthorized EFT, that authorization will remain in effect until you notify us to stop payment. To stop payment you must call us at 1-877-300-7797, or write us at

KCRC Debit Division 

P.O. Box 30650 

1540 S. Redwood Rd.

Salt Lake City, UT 

84130-0650 

in time for us to receive your request three (3) business days or more before the next payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call. If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. If these regular payments may vary in amount, we will tell you, ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.

Some purchases made with your Card will require our prior authorization, and you may be asked to provide identification. If our authorization system is not working, it may not be able to authorize a transaction, even if there are sufficient funds in your Deposit Account to complete the transaction. We will not be liable to you if any of these events happen.

8. Returns and Exchanges

If you make an exchange in accordance with our merchandise exchange policy, any difference in price between the exchanged items will be credited or debited, as applicable, by EFT to or from your Deposit Account and you authorize us to initiate such debit or credit. If you return an item previously purchased using your Card in accordance with our merchandise return policy, the amount of the return will be credited by EFT to your Deposit Account and you authorize us to initiate such credit. 

9. EFT Limitations 

You agree that you will not use your Card outside of the United States, for illegal purposes, for any commercial or other business purposes, or for any purpose other than those set forth in Section 7. Such prohibited uses include, but are not limited to, making payment on any credit card accounts (including Kroger-branded credit cards), making purchases of goods or services from retailers other than us, our affiliates and certain third-parties that sell products and services in our stores or on Kroger Websites and Apps or making transfers to third parties. Further, you agree that you will not use your Card to make purchases for amounts in excess of available funds you have in your Deposit Account (and any available overdraft feature or line of credit you may have in connection with your Deposit Account) as determined by your Depository Bank as of the date the Depository Bank processes the EFT, which may be as quickly as the same day that you authorize a transaction or it may occur several days after you initiate and authorize the transaction, as described in Section 6. 

You may not use your Card for a cash back transaction in excess of one hundred twenty dollars ($120) on any calendar day or in excess of two hundred dollars ($200) during any seven (7) calendar day period. You may not use your Card for any other permitted transactions in excess of five hundred twenty-five dollars ($525) on any calendar day or in excess of seven hundred twenty-five dollars ($725) during any seven (7) calendar day period. In addition, in no event may you initiate transactions with your Card more than five (5) times on any calendar day. We may impose lower or different limits from time to time to minimize the risk of fraud. We may decline transactions in excess of any limits we impose. You acknowledge and agree that the specific dollar amount limitations we impose on your Card may be less than the dollar amount of available funds in your Deposit Account. We also may decline transactions on the basis of a risk assessment at the time of the transaction. 

10. Unpaid EFTs

The Depository Bank may return an EFT as unpaid for any reason, such as if there are insufficient funds in your Deposit Account to cover the full amount of the EFT (including any fees) or if your Deposit Account is closed. We may, and you authorize us to, resubmit one or more times in our discretion an EFT that has been returned unpaid by your Depository Bank. Further, if we credit your Deposit Account to correct a suspected EFT error, and we later determine there was no error, we may deem such EFT as unpaid. We will assess a Returned Payment Fee (as defined in Section 11) in connection with the original EFT (but not with any resubmission of the original EFT or EFT for a Returned Payment Fee that is returned unpaid). In addition, your Depository Bank may also charge fees in connection with such transaction (including any resubmission of an original transaction that previously returned and any related fees), such as overdraft fees or insufficient funds fees.  

If an EFT is returned or deemed unpaid, the funds owed to us will become immediately due and payable to us. You agree to pay us in United States dollars the full amount of the unpaid EFT and any applicable Returned Payment Fees. Further, you also agree that we may suspend use of your Card until we receive payment in full of all amounts due and payable to us. We may cancel your Card if we determine you have had too many EFTs that are returned as unpaid, even if you pay the unpaid EFTs.  

At our option, we may accept payment for unpaid amounts due and owing to us in a manner other than an EFT. If we accept payment by check or other instrument, at our option, we may, and you authorize us to, use any check or other instrument that you send to us to initiate an electronic (including Automated Clearing House) transfer from the applicable bank account in the amount of your check or instrument. Your check or instrument will not be returned to you by us or by your bank. Your bank account may be debited as early as the same day we receive your payment and may delayed for a period of time after you initiate or authorize the transaction with your Card. We expect that the debit from your Deposit Account will generally occur within five (5) business days after you authorize a transaction, although it may occur after such five (5) business day time frame or it may occur as quickly as the same day that you authorize a transaction. Regardless of when the debit to your Deposit Account occurs, you agree that you will maintain sufficient funds in your Deposit Account to cover the full amount of any transaction you initiate with your Card from the time you initiate such transaction until the transaction is debited from your Deposit Account. If we cannot process the electronic transfer or if the electronic transfer is returned to us, we may present the original check or other instrument, a substitute check, draft or similar instrument to obtain payment.  

We may accept partial payment of amounts you owe us and you agree that if any check, other instrument or accompanying communication states that such payment is “payment in full” or contains similar language indicating full satisfaction of amounts owed to us, including in connection with disputed amounts, that qualification will be void and have no effect. Our acceptance of any item containing or associated with such a legend does not waive our right to receive full payment of amounts you owe us hereunder.

We may apply any payments made to us against amounts due and owing to us in any order.

11. Fees

If your Card is lost, stolen or damaged, call us at 1-877-300-7797, or write us at

KCRC Debit Division 

P.O. Box 30650 

1540 S. Redwood Rd.

Salt Lake City, UT 

84130-0650. 

We will cancel your lost, stolen or damaged card. At our option, we may direct you to apply for a new Card or issue a replacement Card. If we issue you a replacement Card, we will charge you and you agree to pay a fee of $25 to replace your Card (“Replacement Fee”). You authorize us to initiate an EFT in the amount of such Replacement Fee from your Deposit Account upon your request for a replacement Card.  

We will charge you and you agree to pay the following applicable fees if the Depository Bank returns unpaid for any reason an EFT initiated with your Card, even if the EFT is paid in full at a later time (“Returned Payment Fee”).  

  • Up to $50 in KY, PA and VA
  • Up to 40 in DE, FL (ACH amount greater than $300 or 5% of ACH amount, whichever is greater), MS, ND, SD and WA
  • Up to $35 in CA (except for first ACH return), MD, MI (if not paid within 7 days) and OR
  • Up to $30 in AL, AK, AR, FL (ACH amount $50.01-$300), GA (or 5% of ACH amount whichever is greater), HI, IA, KS, MN, MT, NE, OH (or 10% of ACH amount, whichever is greater), SC, TN, TX or WY
  • Up to $25 in AZ, CA, (first ACH return only), DC, FL (ACH amount $0.01-$50.00), IL, LA (or 5% of ACH amount, whichever is greater), ME, MA, MI (if paid within 7 days), MO, NV, NH, NJ, NM, NC, OK, RI, VT, WV and WI
  • Up to $20 in CO, CT, ID, IN, NY and UT

You authorize us to initiate an EFT in the amount of such Returned Payment Fee from your Deposit Account automatically upon our receipt of the notice of return. Further, if we accept a check or other instrument for payment in respect of amounts you owe us, you agree to pay the Returned Payment Fee if any check or other instrument you provide as payment to us for amounts you owe in connection with your Card is not honored by your bank, and you authorize us to initiate an electronic transfer from the bank account in respect of such fees.

In addition, your Depository Bank may charge you a fee when it pays, or returns unpaid, transactions initiated with your Card and may charge such fees in connection with the initial EFT, any EFT for a Returned Payment Fee and each subsequent resubmission of any returned EFT. You should confirm with your Depository Bank any fees they may charge, including insufficient funds fees for returned items and overdraft fees and/or interest for transactions that are paid from an overdraft feature or line of credit.

12. Your Liability for Unauthorized EFTs

TELL US AT ONCE IF YOU BELIEVE YOUR CARD, CARD NUMBER, OR PIN HAS BEEN LOST OR STOLEN, OR IF YOU THINK SOMEONE IS USING YOUR CARD WITHOUT YOUR PERMISSION, by calling us at 1-877-300-7797, or writing us at:

KCRC Debit Division 

P.O. Box 30650 

1540 S. Redwood Rd.

Salt Lake City, UT 

84130-0650. 

Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit, if applicable). You agree to assist us in determining the facts relating to any theft or possible unauthorized use of your Card, Card number, or PIN and to comply with the procedures we may require for our investigation.

If you tell us within four (4) business days after you learn of the loss or theft of your Card, Card number, or PIN, you can lose no more than $50 if someone used your Card, Card number, or PIN without your permission.

If you do NOT tell us within four (4) business days after you learn of the loss or theft of your Card, Card number, or PIN, and we can prove that we could have stopped someone from using your Card, Card number, or PIN without your permission if you had told us, you could lose as much as $500.

Also, if your statement from the Depository Bank shows EFTs that you did not make, you must tell us AT ONCE. If you do not tell us within ninety (90) days after the statement was made available to you, you may not get back any money you lost after the ninety (90) day period if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods for a reasonable time frame.

13. Error Resolution Notice

ALL QUESTIONS ABOUT TRANSACTIONS MADE WITH YOUR CARD MUST BE DIRECTED TO US, AND NOT TO THE DEPOSITORY BANK HOLDING YOUR DEPOSIT ACCOUNT. Kroger is responsible for the Card and for resolving any errors in transactions made with the Card.  

We will not send you a periodic statement listing transactions that you make using your Card. The transactions made with your Card will appear only on the statement issued by your Depository Bank. SAVE THE RECEIPTS YOU ARE GIVEN WHEN YOU USE YOUR CARD, AND CHECK THEM AGAINST THE ACCOUNT STATEMENT YOU RECEIVE FROM YOUR DEPOSITORY BANK. If you have any questions about one of these transactions, call us toll-free at 1-877-300-7797, or write us at

KCRC Debit Division 

P.O. Box 30650 

1540 S. Redwood Rd.

Salt Lake City, UT 

84130-0650. 

In Case of Errors or Questions About Your Electronic Transfers: Telephone us at 1-877-300-7797, or write us at

KCRC Debit Division 

P.O. Box 30650 

1540 S. Redwood Rd.

Salt Lake City, UT 

84130-0650

as soon as you can, if you think your Depository Bank statement or receipt is wrong regarding a Card transaction or if you need more information about a Card transaction listed on the statement or receipt. We must hear from you no later than ninety (90) days after your Depository Bank made available to you the FIRST statement on which the problem or error appeared; provided, however, that we shall extend such time frame by a reasonable time period if a delay resulted from your initial attempt to notify the Depository Bank instead of us. 

(1) Tell us your name and Card number. 

(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 

(3) Tell us the dollar amount of the suspected error. 

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. 

We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. We will disclose to you the date on which we initiated a transfer to effect this provisional credit. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. 

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. 

We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. 

14. Our Liability

We will be liable for your losses or damages proximately caused by our failure to complete an EFT to or from your Deposit Account on time or in the correct amount according to this Agreement. You acknowledge that your Deposit Account may not be debited for several days after you initiate and authorize the EFT by using your Card. However, there are some exceptions to our liability. For instance, we will not be liable: (i) if through no fault of ours, you do not have enough money in your Deposit Account to complete the EFT; (ii) if the EFT would go over the credit limit on your overdraft line; (iii) if the point-of-sale terminal or system was not working properly and you knew about the breakdown when you started the EFT; (iv) if circumstances beyond our control (such as fire or flood) prevent the EFT despite reasonable precautions that we have taken; (v) if you attempt a transaction in excess of the limitations, or otherwise restricted by, this Agreement; or (vi) pursuant to any other exception stated in this Agreement.

15. Documentation

a. This Agreement. When you accept the terms and conditions of this Agreement, we will make this Agreement and the Privacy Policy available to you in a manner that can be printed or electronically saved for your records. You should retain a copy of this Agreement and the Privacy Policy for your records. We will post a current copy of the terms and conditions of this Agreement on the Kroger.com website.

b. Receipt. You can get a receipt at the time you use your Card to make a purchase at a physical retail location operated by the Kroger Family of Companies. If you make a purchase using your Card via a Kroger Website or App, we will email a receipt to the email address associated with your order and/or we may offer other ways for you to obtain a receipt. 

16. Default

Subject to applicable law, you will be in default under this Agreement if you violate any terms of this Agreement, including without limitation if we receive notice of an unpaid EFT, or if you become the subject of bankruptcy or insolvency proceedings. 

17. Authorization Revocation; Card Cancellation

Except as prohibited by law, we may cancel your Card and terminate this Agreement for any or no reason with notice only as required by law. You may revoke your authorization and cancel your Card by calling us toll free at 1-877-300-7797, or writing us at:

KCRC Debit Division 

P.O. Box 30650 

1540 S. Redwood Rd.

Salt Lake City, UT 

84130-0650. 

Without limiting the generality of foregoing, we reserve the right to cancel your Card and terminate this Agreement and take any legal action available under applicable law under the following circumstances:

  • If any information provided in connection with your application or use of the Card is false or misleading; 
  • Upon your default under the terms of this Agreement; or
  • Upon your death.

Upon termination, you will remain responsible for paying all amounts you owe us that arose hereunder prior to the termination, and the terms of this Agreement shall continue to apply until such amounts have been fully satisfied.  

Subject to applicable law, upon termination we may in our sole discretion: (i) require you to immediately pay all unpaid EFTs and any related fees; (ii) bring a legal action against you to collect any money owed to us; and (iii) take any other action permitted by applicable law. If we refer any amount you owe to an attorney for collection, you must pay to us all of our costs and expenses of collection, including attorneys’ fees, to the extent not prohibited by law. 

Upon termination or cancellation, you agree to promptly destroy your Card or, if requested by us, return the Card to us.  

18. Confidentiality

By entering into this Agreement, you have agreed that we may collect, use and share information provided on your application (including updates to such information) and about your EFTs initiated with the Card as provided in the Privacy Policy for Financial Products and Services Made Available by the Kroger Family of Stores ("Privacy Policy"), which is incorporated into and made part of this Agreement, and which may be modified from time to time as provided in the Privacy Policy. The Privacy Policy is available at: https://www.kroger.com/f/rewards-debit-card-privacy-policy.

Without limiting the generality of the foregoing, we will use and disclose to third parties (including our affiliates) information provided on your application (and updates to such information) and any information about you collected from the use of your Card:

  • Where it is necessary for completing EFTs and related fees; 
  • In order to verify the existence and condition of your Deposit Account or Card for a third party, such as a consumer reporting agency;
  • In order to comply with government agency or court orders; 
  • For retail purposes;
  • For any other purpose for which you give us written permission; and
  • As otherwise permitted by our Privacy Policy.

We will not disclose to unaffiliated third parties to use for marketing purposes your Deposit Account information or any credit report information collected pursuant to Section 19. 

19. Credit Reporting

You agree that we may check information about you or your financial history with consumer reporting agencies (including credit bureaus) or others and that we may report information about you, including information from your Card application, transactions initiated with your Card, and our other experiences with you to consumer reporting agencies, to other companies that are affiliated with us, or to others as allowed by law and our Privacy Policy. You acknowledge and understand that as permitted by law, we may submit a negative report to one or more consumer reporting agencies. If you believe we have inaccurate information about you or your Card or have reported such inaccurate information to a consumer reporting agency, you should notify us by calling us at 1-877-300-7797, or writing us at:

KCRC Debit Division 

P.O. Box 30650 

1540 S. Redwood Rd.

Salt Lake City, UT 

84130-0650. 

20. Miscellaneous

a. Business Days. For purposes of the Agreement, our business days are Monday through Friday, excluding Saturdays, Sundays and federal holidays.

b. Communicating With You. We may email you about your Card from time to time. In addition, we (or our agents) may telephone or text you regarding your Card. You agree that we may place such telephone calls or texts using an automatic dialing/announcing device. You agree that we may make such calls or texts to a mobile telephone or other similar device. You agree that we may, for appropriate purposes, such as training and quality assurance, listen to and record phone conversations you have with us. You authorize us to make telephone calls and send text messages to you at the telephone number(s) you provide to us or from which you have telephoned us. You also authorize us to make such calls and/or leave prerecorded messages regarding the Card using an auto dialer service to such telephone numbers.

c. Governing Law. This Agreement will be governed by federal law and to the extent state law applies, by the law of Ohio. If there is any conflict between this Agreement and the requirements of applicable federal or state law, this Agreement will be deemed modified to the extent necessary to comply with such law. If any part of this Agreement is not enforceable under applicable law, it will not render any other part of this Agreement unenforceable.

d. Notice of Change in Personal Information. You agree to notify us immediately of any change in your name, address (including email address) or telephone numbers, any change in your Deposit Account information and any change in the identifying information contained in your government-issued identification card that you used when applying for the Card. Tell us about any of these changes by calling us at 1-877-300-7797, or writing to us at

KCRC Debit Division 

P.O. Box 30650 

1540 S. Redwood Rd.

Salt Lake City, UT 

84130-0650. 

e. Assignment. Whether by sale, merger or other form of transfer, we may sell, assign or otherwise transfer this Agreement (including your authorization allowing us to debit or credit your Deposit Account for transactions, to correct errors, to collect amounts you owe or otherwise), and the Card(s), or any receivables created through use of the Card(s), without notice to you. In the event of such a sale, assignment or transfer, the terms “we”, “us” and “our” shall be deemed to refer to our successor, assignee or other transferee and all of our rights and obligations hereunder shall inure to such successor, assignee or other transferee, including the right to initiate an EFT pursuant to a transaction initiated with your Card or to collect any amounts due to us hereunder. You may not sell, assign or transfer this Agreement or your Card without first obtaining our written consent.

f. State Specific Provisions. 

i. New Jersey Residents. Because certain provisions of this Agreement are subject to governing law, they may be unenforceable, or inapplicable, in some jurisdictions. None of these provisions are void, unenforceable or inapplicable within New Jersey.

g. No Waiver. We may waive or delay enforcing any of our rights under this Agreement without losing them, including our right to assess any fees.

Kroger T&C
V1.0 10/2018 KRACTERM