Same benefits as having a Kroger plus card (free). I've had this card for a year and a half and put a few thousand on it and in return accumulated around 30 dollars of checks to spend at Kroger as the perk of using this card. 4,000 dollars equals around 25 dollars in store merchandise Kroger checks. This was my highest interest rate credit card. I've never missed a payment. They raised the interest even more than my original 18.90% interest rate I was accepted with. I called and asked for them to lower it. The lady was not friendly or helpful over the phone and came up with this offer.. to reduce my interest rate to 17.98% for 6 months and then back to the 20 some percent they had raised it to after the 6 months was over. LOL! So I told her I would like to make a payment instead and I paid the card off with 1900 dollars on the spot and I will never use this card again.