1-2-3 REWARDS® Visa® Card

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

Was this helpful?
Quick View

Quick View

  • 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

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

The Insider

Brendan Harkness
Review of the Best Western® Rewards MasterCard®
Brendan Harkness | Oct 21, 2016

The Best Western Rewards MasterCard provides 13 points for every dollar you spend with Best Western, along with a variety of extra perks and benefits.

Read More
Brendan Harkness
Review of the Upromise® World MasterCard®
Brendan Harkness | Sep 28, 2016

The Upromise World MasterCard offers up to 10% cash back at select retailers, and you can redeem your rewards directly to your college fund or student loan.

Read More
Brendan Harkness
Review of the Ultamate Rewards Credit Card and Ultamate Rewards MasterCard
Brendan Harkness | Sep 22, 2016

The Ultamate Rewards Credit Card and Ultamate Rewards MasterCard both offer 2 points per dollar at Ulta, along with member-only rewards and benefits.

Read More