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

Purchases and Balance Transfers: 14.99% up to 24.99%
Cash Advance: 26.24%
Penalty: None
Minimum Interest: $2.00

Credit Card Fees

No annual fee
Balance Transfer and Cash Advance: 4% of transfer amount or $10, whichever is greater.
Late Payment: Up to $38
Foreign Transaction: 2.8%

Sign-up Bonus and Benefits

Sign-up Bonus: Receive $0.25 off per gallon at Kroger gas stations for first year of account opening.
  • After signup bonus offer ends $0.25 off per gallon reverts to $0.05 when you redeem fuel points
  • 3 points per dollar spent on Kroger brand products
  • 2 points per dollar spent at Kroger family stores
  • 1 point per dollar spent for purchases everywhere else
  • Points expire 24 months
  • Kroger certificates expire 1 year from issue date
  • Certificates are issued quarterly at $5 incremenets per 1,000 points
  • Unlimited points


Click to Apply Online by Phone: 866-258-5915, or In-store
Card Issuer: U.S. Bank
Pay Your Bill Online


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

The 1-2-3 rewards Visa compliments the Kroger shopper with its 3 cards in 1 feature.
Overall rating 
Interest Rate (APR) 
Steven Merkel Reviewed by Steven Merkel November 02, 2015
Last updated: October 18, 2017
#1 Reviewer  -   View all my reviews (21)

The 1-2-3 rewards Visa compliments the Kroger shopper with its 3 cards in 1 feature.

Do You Recommend This Credit Card?

This is a good credit card that currently offers a great fuel discount, keep in mind you will need to redeem a minimum of 100 fuel points to activate the 25 cents off bonus.
Who Will Get the Most Out of This Credit Card
The consumer who frequently picks up their groceries at Kroger stores and spends their fuel points at a Kroger or Shell gas station. A minor perk worth mentioning; you can use this card as your Plus shopper's card, which lets you carry one less card, and reduces the hassle of shuffling through your wallet at the checkout. I know that more than once I haven't been able to locate my shopper's card while going through the checkout, and I missed out on fuel points only to frustratingly find the Plus card moments later while I double checked my wallet in the car before I drove home.

Is The Interest Rate Competitive

The interest rate is very competitive for those who have excellent credit and are approved at the 14.99% interest rate. Applicants with a medium or poor credit record will most likely be approved at a higher interest rate, which can be up to 24.99%. 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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