Thank you @MB2 for this helpful post. Everyone I have talked to about Kroger gift cards just say it's a huge hassle and the cashiers don't even know how they work. Thus I have been avoiding them. I redeem mostly for Target or WM gift cards but will only do Whole Foods on Fetch because as you say, they cost more. Because of that, my Fetch balance is getting higher and higher. I've already gotten stuck with CVS and Safeway gift cards I can't use because my stores require you to print them out and I can't figure out how to do that on mobile. Even my Kroger (Fry's) requires a printout but maybe I will try the self-checkout. The only time I will get Safeway gift cards is when there is a bonus offer on Fetch like 1250 points when you spend $50. Yes, that will work on the purchase of gift cards; it's like getting a small discount.
Gift cards that I get from Fetch work just fine at self checkout but for some reason I can never get the gift cards I get from ibotta to even scan at the machines. Anyone else having this problem too? I wonder if it is because Ibotta has the longer looking barcode.