1-2-3 REWARDS® Visa® Card

For People with
Fair Credit



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

Add funds to your card here.

Card Quick Facts

Card Quick Facts

  • Save an additional 25¢ a gallon when you redeem 100 fuel points at participating Kroger® family of stores fuel centers.
  • Earn free groceries faster at Kroger®; 3 points per $1 spent on Kroger® family of brand products.
  • 2 points per $1 spent in the Kroger® family of stores (excluding fuel centers)
  • 1 point per $1 spent anywhere Visa Cards are accepted
  • Every 1,000 points earned gets $5 in free groceries. Rewards sent automatically every quarter

For People with
Fair Credit



Manage My Card

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Card Details



  • 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

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 13.99%-23.99% (Variable)
Intro Purchase APR 0% for 9 months
Foreign Transaction Fee 2.8%
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR See Terms
Late Fee Up to $38
Returned Payment Fee Up to $35
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 9 months
Regular Balance Transfer APR 13.99%-23.99% (Variable)
Balance Transfer Fee 4%, Min: $10
Cash Advances

Cash Advances

Cash Advance APR 25.24% (Variable)
Cash Advance Fee 4%, Min: $10

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

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