Kroger 1-2-3 Rewards Visa Card
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Annual Percentage Rate (APR)

Introductory Offer

0% interest for 9 billing cycles on all purchases and balance transfers.
Regular Interest Rate for purchases and balance transfers: 13.99%, 18.99%, or 23.99%

Credit Card Fees

No annual fee
Please see comparison view to see the rest of this cards fees.

Sign-up Bonus and Benefits

Sign-up Bonus: Receive $0.25 off per gallon at Kroger gas stations for first three months.
  • 3 points per dollar spent on Kroger brand products
  • 2 points per dollar spent at Kroger stores
  • 1 point for purchases everywhere else
  • Receive a $5 coupon every 1000 points
Click to Apply Online or In-store
Card Issuer: U.S. Bank
Where Can I Use This Card? At all Kroger locations and everywhere Visa is accepted.
Pay Your Bill Online at


You will need to have a US Bank account to take advantage of online bill payment if you don't you might have to mail in your payment.

Editor review

Let's go Krogering is even better when you complement it with the 1-2-3 Visa card.
Overall rating 
Interest Rate (APR) 
Steven Merkel Reviewed by Steven Merkel November 02, 2015
#1 Reviewer  -   View all my reviews (14)

Let's go Krogering is even better when you complement it with the 1-2-3 Visa card.

Do You Recommend This Credit Card?

The average rewards combined with the normal APR for purchases makes this a reasonable credit card. The bonus offer of $0.25 off per gallon of gas for the first three months of opening an account pushes this card into the range of one that must be applied for.
Who Will Get the Most Out of This Credit Card
The consumer who frequently picks up their groceries at Kroger stores and spends their points at a Kroger or Shell gas station. A minor perk worth mentioning; you can use this credit card as your Kroger Plus card, which gives people the option of carrying one less card on them, and reduces the hassle of shuffling through cards at the checkout.

Is The Interest Rate Competitive

The interest rate is very competitive for those who have excellent credit and are approved for the lowest interest rate. People with a lower credit score will most likely be approved for the higher interest rate, which is 10% higher than the lower rate. Please keep this in mind if you choose to pursue this card.

How Do You Like the Rewards

The rewards are comparable to most reward credit cards when you factor in earning 2 points per dollar spent at their stores is equal to 2% back in coupons. The rewards improve even more when you take into account that Kroger brand products yield 3 points per dollar. However I do not recommend using this card for transactions outside of their establishment.
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