Our local version of Kroger does issue its own card, but it is a Visa card. I don't know how settlement would work in their own stores, but if you were to use t

Our local version of Kroger does issue its own card, but it is a Visa card. I don't know how settlement would work in their own stores, but if you were to use the card at other merchants, Visa would be getting their network fee, which can be like 3% of the transaction.