1-2-3 REWARDS® Visa® Card

The 1-2-3 Rewards Visa card is for anyone who loves Kroger stores and products.

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  • Rewards
    • 3 points for every $1 spent on Kroger® brand products
    • 2 points for every $1 spent in the Kroger® family of stores (not including fuel)
    • 1 point per net $1 spent everywhere Visa is accepted
  • Signup Bonus None
  • Chip Technology Chip-and-Signature & Chip-and-PIN
  • Foreign Transaction Fee 2.8%
  • Intro Balance Transfer APR 0% for 9 months
  • Regular Balance Transfer APR 13.99%-23.99% (Variable)
  • Cash Advance APR 25.24% (Variable)
  • Penalty APR See Terms
  • Late Fee Up to $38
  • Returned Payment Fee Up to $35

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • Potential to earn FREE groceries with every purchase
  • Fuel Discount: 25¢ fuel discount when 100 fuel points are redeemed at participating Kroger family of stores.
  • Emergency Card Replacement and Cash Disbursement: Lost or stolen cards are usually replaced, or emergency cash is provided, within 24 hours.
  • Free Annual Account Summary: Free record of your annual credit card activity.
  • 24-Hour Cardmember Service: Round the clock service for cardmembers
  • Easy Cash Access: You can use this card at over 1 million ATMs worldwide.


  • Zero Fraud Liability: You are not held responsible if fraud is committed with this card.


  • Warranty Manager Service: For maximum protection your warranty information is electronically stored in one place.
  • Extended Warranty Protection: Double the period of repair service under a manufacturer warranty up to one year on eligible items with a valid manufacturer’s U.S. repair warranty of 3 years or less if the item was purchased with this card.
  • Purchase Security: In the event of damage due to fire, theft, vandalism, certain weather conditions or accidently discharged water, you might be able to replace, repair, or be reimbursed up to $500 per claim and $50,000 per cardholder if you purchased these items on your Visa card.


  • Travel & Emergency Assistance Service: Help with legal, travel and medical services when your traveling.
  • Auto Rental Collision Damage Waiver: Damages caused by collision or theft are covered 24/7 at no additional cost.

Visa Benefits

  • This card comes with Visa benefits. You will be provided with a list of benefits available to you once you get approved for your card.

Visitor Reviews

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