Kroger 1-2-3 Rewards Credit Card

Kroger 1-2-3 Rewards Credit Card
Required Credit Score: Excellent, Good
3.5 221 reviews   Write a Review!
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Kroger 1-2-3 Rewards Credit Card's Rewards

Bonus
None
Base Earn
1 point / $1
Max Earn
3 points / $1
Earn / Redeem Limit
No
  • Save an Additional 25¢ a gallon for the first three months when you redeem 100 fuel points at participating Kroger family of stores fuel centers.
  • 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.
  • Three cards in one - Rewards Card, Shopper's Card and Visa Card.
  • Rewards are sent automatically every quarter. Every 1,000 points you earn gets you $5 in free groceries.

Kroger 1-2-3 Rewards Credit Card's Key APRs & Fees

Intro Rate on Purchases
0% for 9 months
Intro Rate on Transfers
0% for 9 months
Regular Rate
13.99% - 23.99% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER FEE 4%

Kroger 1-2-3 Rewards Credit Card's Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   None
  • GRACE PERIOD   24 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE 25.24% (V)
  • CASH ADVANCE FEE 4% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    2.8%
  • Zero Fraud Liability.
  • Travel and Emergency Assistance Services.
  • Auto Rental Collision Damage Waiver.
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Kroger 1-2-3 Rewards Credit Card Reviews

 
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3.3
Overall Rating: 3.3 / 5
Total Ratings: 221
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Sep 12, 2014
Photo of Christina H.
4
By:
I like the fact that this card has such high Rewards, has a better rewards than capitol one; However the interest rate is a little higher. You get 5 dollars free groceries, for every 1000 points you earn, which anything that helps increase the grocery budget is a bonus for me. The 25 cents off gasoline is great at the pump especially now-a-days, that gas prices are so expensive. Plus the emergency assistance services this is a well rounded card.
Aug 26, 2014
Photo of Lissa B.
5
By:
I love this card! I get about $15-20 back every quarter plus so many more fuel points. The big bonus, is when you sign up you get an extra 25 cents off everytime you use your card at the kroger pump for the first 3 months. After that, you always still get an additional 5 cents. PLUS, the send you great coupons for the things that you normally would buy anyway.
Jul 29, 2014
Photo of Holly J.
3
By:
The Kroger 1-2-3 Rewards Credit Card offers some good benefits such as no annual fee and points for every dollar you spend depending on what you get. Unfortunately the rewards are low as you must get 1000 points to save $5 and there isn't a bonus.
Jul 25, 2014
Photo of Johnny Z.
1
By:
Horrible card, rewards points expire quickly so they never really accumulate unless you spend literally thousands of dollars a month, constantly taking unspecified $2-4 fees !!! Customer service is literally the worst I've ever dealt with, phone people are rude and not at all helpful, and while King Soopers can sell them it doesn't provide any actual in store customer service if there are problems even though they're name is on it, and it's purchased at their store.
Jul 24, 2014
Photo of Fang T.
2
By:
Not much rewards or just few Kroger brand items apply to the coupons after 1000 dollars purchase, but a lots of fees. If you don't pay it off (even 50 cents balance), you could get 2 dollars minimum interest plus other fees every month, which could end up a huge cost at the end of year if you don't keep tracking them. And the customer service sucks.
Jul 23, 2014
Photo of Will J.
1
By:
Card really sucks. Customer service is terrible. They can never answer any questions. They are rude. I can't believe Krogers put their name on the card.
Don't get this card . Get the! Walmart card
Jul 11, 2014
Photo of Da M.
4
By:
Kroger 1-2-3 Rewards credit card 3 cards in one well that is a good deal. Ever one thousand points gets you $5 bucks in free groceries and the regular rate is 13.99% - 23.99% (V) all great features. The bad features are the 24 day grace period is a way too short people need at least 30 days and I do not like being excluded from fuel centers. When I compare this card to another card I use all the time I have gas fill up benefits and I am always at the pump I wish the Kroger 1-2-3 rewards card had that as a feature but it does not.
Jun 12, 2014
Photo of Ricky G.
1
By:
It took me a week to link my vip card to this new credit card. If you ask for help at the store they will tell you to call 123 rewards card. If you call 123 rewards card they will tell you to walk into any frys supermarket. Its a joke I had to go 3 times to try to link these cards together and when I finally did then they mentioned that it does not apply to any purchases online and in order to receive points vendors must also scan your 123 rewards card just like you do at the supermarket. I now have a balance of over $400 more
Jun 4, 2014
Photo of Bianca H.
2
By:
This is a card only for people with good credit. It's also only for people who shop regularly at Kroger stores. You can quickly earn points by buying the Kroger brand products (3 points per $1). You get 2 points for every dollar spent in their store or in Kroger Family stores. The best reward of this card is the ability to earn free groceries. This reward system is ONLY applicable at Kroger or its family stores. It's a Visa, so you can use it anywhere that Visa is accepted, but you will only earn 1 point for every $1 spent. If you don't shop at Kroger frequently, you can more
May 20, 2014
Photo of Travis H.
3
By:
This card looks like a pretty good deal; the fact that they do not increase your APR for having a late fee is honestly quite awesome. In general, this card is very forgiving of late payments, although the cash advance fee is quite high, to the point of being unacceptable and useless. At least there is a 9 month 0% apr, but there also isn't any bonus for signing up, which is rather unexciting.
May 20, 2014
Photo of Tony S.
3
By:
For those individuals who have a Kroger store nearby and who shop there often, this is a good card to consider. The 0% introductory APR on purchases and balance transfers is always a nice perk. The gasoline benefit and the shopping points are also useful, but again only if you use Kroger regularly. I think that would be the primary consideration: If you always shop there, then this is a good card to use, but if not, then I would see no reason to apply for it.
May 15, 2014
Photo of Elizabeth J.
1
By:
This card ruined my life . My credit was perfect and then after losing my job because I got pregnant I couldn't pay the payments . The interest accumulated and it's past the limit. I have tried paying payments here and there when I can and I was told they could make me a payment plan that I could actually afford and then told me no they can't. Well why did you tell me that? I am so furious I would like to advise anyone and everyone to avoid this stupid card because if you can't make a payment they'll just pile on the interest and penalties . Ugh big more
May 13, 2014
Photo of Renee N.
3
By:
I think the .25 off/gallon for the first three months is enticing, but honestly, after the 0% 9 month introductory period is over, the only real perk to this card is the inflated point value to earn free grocery rewards. While that is a perk of the Kroger 1-2-3 Rewards Credit Card, I can think of other cards, like AMEX's Blue that offer better rewards with much lower interest rates.
Apr 29, 2014
Photo of Abby K.
4
By:
The 25 cents/gallon discount for gas is nice, but I'd rather see a long term discount program for the gas purchases, even if it is a smaller discount. A Pavillions rewards card (sorry, not a credit card) I had once offered 3 cents/gallon discount at all times, and at every X points (can't remember exactly how many, but it worked out to be about every 10 tanks), that purchase would get 10 cents/gallon discount. This is sadly no longer offered.

My BofA credit card offers a 1% cash back on all purchases, sometimes extra on gas.
Apr 27, 2014
Photo of Jim E.
3
By:
The additional 25 cents off at the gas pump for the first three months was the draw for this offer. We already redeem our grocery points at the King Sooper gas station for 10 cents off per hundred points. This means with gas at 3.50 per gallon, we may be able to get a fill-up down to 2.95/gal. After the three months is up, I'll probably switch again!
Mar 7, 2014
Photo of Danielle G.
3
By:
This card has a good rewards program and is very convenient. I've saved quite a bit of money on groceries since receiving my card! The 9 month, 0% introductory rate is another added bonus. There is no annual fee, which seems common with many of the other rewards cards. I have never had any problems with the service, and don't foresee any problems in the future. I highly recommend it to anyone who buys Kroger products or frequents any of the Kroger family of stores. It can really make a difference by the end of the year.
Feb 12, 2014
Photo of Skye L.
4
By:
The Kroger 1-2-3 Rewards Card is something that will be easy to use. It will be convenient if you are a regular shopper at Kroger's to get rewards without having to change any habits. This is a can't miss deal that would be great for a wide variety of people. I had other rewards cards in the past, but this one has way more deals.
Feb 12, 2014
Photo of Tatiana J.
3
By:
I use this card all the time when ever I go shopping at Kroger and I think this card is nice to have in your purse or wallet, plus there is no annual fee you have to pay. So that is a good thing you don't have to pay a certain amount of money every month. And it goes by points, the more you have, the more you can save up and use them on other things you would like to have for yourself which I think is pretty awesome.
Jan 29, 2014
Photo of Jerm B.
4
By:
I currently have and still use the Kroger rewards visa card. It was very easy to sign for at the time. I liked the fact that it had no annual fee, and I liked the points I earned as rewards. I got it at a rate of 15% which isn't too bad, but I'd prefer it to be lower. Other than that I don't have many complaints, it's been a very simple card without any hidden fees.
Jan 16, 2014
Photo of Marci B.
1
By:
I have a little experience with the Kroger 1-2-3 Rewards Visa Credit Card. For others it may prove to be a wonderful selection. But for me it was a nightmare. The rewards were hardly worth waiting for and customer service is impossible.
Jan 3, 2014
Photo of John D.
5
By:
I like how the Kroger 1-2-3 rewards visa card has no annual fee and has a great points system. It will be good especially when you use it for shopping at Kroger's, since you will get money back. I also like the savings on fuel at Kroger's.
Dec 16, 2013
Photo of Lindsay K.
4
By:
The Kroger 1-2-3 Rewards Credit Card looks like a pretty well
rounded card. With no annual fee, and a points system for purchases
it would be a smart card to choose to get a little extra money back
in your pocket. Of course, you get the most rewards for shopping at Kroger,
but that is no issue for me...I shop there anyway! The intro rate of 0% for 9 months is
also a great way to make customers happy right away.
Dec 12, 2013
Photo of Brit E.
5
By:
Being a college student who is going to school with academic loans I have to find every way I can to save on the food my roommates may eat while I am in class, LOL. Seriously! Since Kroger is where I do my grocery shopping anyway I may as well take advantage of their points system while I shop there. Every little bit helps when you are just starting out and trying to keep your debts low for the future. The Kroger 1-2-3 Rewards credit card has a relatively low interest rate for me and helps keep my expenses just that much lower. Every little bit I save now helps. more
Dec 12, 2013
Photo of Lauren A.
4
By:
This seems like a great credit card. I like that I get the most rewards just for going grocery shopping. And if I buy the Kroger brand products, which tend to be just as good for less money, I get 3x points on the dollar. The APR is very reasonable, and the late fee is a normal charge. Getting $5 back for groceries for every 1,000 points spent is awesome, but it does seem a little low (Amazon, for instant uses every point as $0.10, which would render this 1,000 points $10). But, $5 is better than $0, so there is that. Overall, I like to use my credit card more
Dec 12, 2013
Photo of Kevin S.
4
By:
I really feel like the Kroger 123 Rewards card is good for people who do a lot of grocery shopping. By giving you the 3 - 1 rewards on Kroger items, and 2 - 1 rewards for buying in the Kroger Network (Its actually a pretty big group of stores... out here in CA I shop at Ralph's all the time) you can really maximize your money spent. The fact that they give you a $5.00 card for groceries for every 1,000 spent really solidifies this deal. Conversely I don't think that this card is one that you would want to use for other purchases, like for flights or dining more
Dec 9, 2013
Photo of Sean H.
4
By:
The Kroger 123 Rewards card is an overall wonderful value for the customer. With the price of gas and food continuing to rise, it only makes sense to have a card that rewards you. It will help with the price of gas on an ongoing basis, but especially during the 3 month introductory period to get 25¢ off per gallon. It not only rewards you in fuel savings, but also in grocery savings too. With the Kroger chain of stores spreading across the nation, your bound to find a store that can maximize your points, therefore maximizing your savings. I currently use the America First Visa card which gives you more
Nov 24, 2013
Photo of Jay F.
4
By:
With the high cost of food these days almost all of us are looking for a way to find some savings at the grocery store. The Kroger 123 Rewards card is a very attractive card for those who are fortunate to own it. You earn rewards points every time you use this card and accumulate them at faster rates if you use the card in the Kroger store (and at an even greater rate if you purchase Kroger brand products while there). This allows you to earn up to 3 points per dollar spent. At 1000 points you get $5 in free groceries. My wife and I usually spend from more
Nov 15, 2013
Photo of John L.
4
By:
The Kroger 1-2-3 Rewards credit card is a decent card if you're an avid Kroger shopper already. It's a store card so it can have a high interest rate. Unlike most store cards however the interest rate goes as low as 14 percent. My only other store card, a Khols card, has a set interest rate for everyone at 20 percent. Something else the Kroger card does that most don't is give you rewards for shopping with the card. Rewards points are common in a lot of regular credit cards but not in store cards so the extra savings was a nice surprise. Altogether this is a good card if more
Nov 6, 2013
Photo of Danny R.
5
By:
The Kroger 1-2-3 Rewards card is a great value. I thought this card was pretty amazing. I mean seeing $0.25 of a gallon of gas in writing might not look like a lot, but it really does help quite a bit. Especially when you fill up 2-3 time a week like myself. If you do most of your shopping at Kroger, this card adds a huge advantage. Getting the $5 in free groceries after 1000 points is something that would be easy to accomplish if you had a pretty good sized family. Anyone that is a Kroger shopper, this card is a MUST!
Nov 2, 2013
Photo of Richard T.
3
By:
The Kroger's 1-2-3 Rewards card seems like a good value at first. The various tiers of reward point accruals make it useful as a general use card, but grow in value the more you use it at a Kroger store and buy Kroger brand products. However, point redemption is only $5 per 1000 points accrued, meaning the maximum rewards you can see are $1.50 for every $100 spent, and that's if you use the card for nothing but Kroger products. If you buy fuel from a Kroger then the value of the card goes up, and the interest rates are reasonable, especially for a store card, and the 9 months more
Oct 27, 2013
Photo of Cynthia R.
5
By:
I've been using this card about a month and I just love it. I get my fuel at Kroger, so I can take advantage of their fuel perks. Using this card to pay for food and fuel helps me to save even more. I regularly shop at Kroger stores and I love the additional points I get when shopping there anyway. Particularly the points on Kroger brands. I often buy Kroger brands to save a bit extra (things like pasta sauce or soup, etc.). Earning grocery rewards is a terrific money saver. Kroger prices are very competitive anyway. This card helps you save even more. I highly recommend it!
Oct 25, 2013
Photo of Kristin M.
4
By:
The Kroger 1-2-3 Rewards Visa Card has a great deal where you save 25 cents a gallon for the first three months. With the price of gas, that in and of itself is a great deal. However, you have to purchase the gas at a Kroger Family of Stores Fuel center, which is a bit of a bummer, especially if you’re a road warrior and might not have a Kroger near you at the time. However, since this is a store specific type credit card the rewards seem to be better than your average Visa card. There are great point redemptions for buying at Kroger’s and those saving will really more
Oct 17, 2013
Photo of Ana B.
4
By:
If you are a regular shopper at Kroger-owned stores, this credit card racks up points pretty quickly. I work at a Fred Meyer, so I spend a decent amount of money on Kroger products to start with. This card helps me get better rewards for products that I would be buying anyway. The cash advance rates and late fees are a little high, but if you're careful with your card and don't need cash advances, then there won't be any issue for you. I wouldn't recommend this card to anyone who doesn't shop at Kroger stores on a regular basis, because that's really the only reason to have such a more
Oct 17, 2013
Photo of Lily Y.
3
By:
This card is like a Safeway and Fred meyers but it is a credit card. You can get gas points and Safeway/Freddies and costco does the same. For me it is not that competitive. I like to save money so I buy the kroger brand items a lot and it is great since I can get 3 points. To be honest some kroger brand things are subpar. 1 point for everything else is so common. It is not unique. I find that using a BOA rewards card gets me the same benefits. I moved a couple times so this card at times was useless. I mean it can be used more
Oct 15, 2013
Photo of Tim B.
5
By:
This is one of the best credit cards I have ever had. If you are a Kroger shopper then this is a card you should have for sure. For the first 3 months you have the card you get a 25 cent savings on gas at the Kroger fuel center. On top of that they have a points system where you get various points if you buy Kroger produce and you also accumulate points for every dollar spent anywhere you use the card. Every 1000 points you get $5 in free groceries. It may not seem like much but you accumulate points very quickly if you use the card frequently more
Oct 14, 2013
Photo of Brandon K.
4
By:
With most credit card companies, there's always a tactful art to dealing with customer service people. YOu have to ask the right questions so you don't get deceived by unscrupulous credit card companies. This was the exact opposite of my experience with the Kroger 1-2-3 card. The terms and conditions are very clear, and I use it to make all of my purchas at Kroger for those sweet, sweet rewards. Can not recommend it enough!
Oct 10, 2013
Photo of Jeremy A.
3
By:
If you're like me and don't have a Kroger near you, this card would be completely useless. That being said, this card offers decent perks for being a grocery store credit card. You probably shouldn't use this card outside of Kroger, the rewards become less worth it and it would seem like it would be better to have a regular gas card. You would also have to gas up at a Kroger gas station or none of it is worth it. These kinds of cards are decent at best, but you can probably find something better.
Oct 6, 2013
Photo of Becky H.
4
By:
One of the things that I really like about this card is that I already shop at Krogers and feel 'close' to the store and my loyalty is being rewarded by them, especially if you consider the points system they use on the card. I also use the Kroger Plus card as well. I do use Netspend Prepaid Card for online purchases and to protect myself from any online bank account thefts. The only thing I worry about with the kroger card is the theft issue. The prepaid card can only be used for so much and then that is that for the thief.
Oct 2, 2013
Photo of Jonathan D.
3
By:
The Kroger 1-2-3 rewards is a decent card if you shop at Krogers. Compared to most store credit cards the point system is more than fair and the interest is rate is pretty good. My Khols card has a third more interest and the savings don't even compare. If you do most of your shopping at Krogers any way it is a great way to save some extra money, just make sure to pay it off at the end of the month and your fine. However compared to most point cards it's not the great and a bit limited. Most cards I've seen have a bit higher reward for every more
Sep 25, 2013
Photo of Ben M.
2
By:
The Kroger 1-2-3 Rewards Credit Card is a way to earn points that get redeemed for gift cards for money off your groceries. Unfortunately it is not a good deal. For Every $333 you spend in a Kroger store you get a $5 coupon towards your groceries. If you do that math, that's only 1.5% back when you shop at a Kroger store. While it's better than nothing and the 1% back most credit cards give, other cards give you a little less points and the option to cash out your points for more than just grocery store coupons. I would avoid this card unless you really want that extra more
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Jul 23, 2014
Photo of Will J.
By: Will Jones
The customer service for this card is the worst I have ever
Had to deal with .they can't settle any issues you have
And you can't get ant numbers to.us bank so you can talk to some
One that knows what's going on.
Nov 16, 2012
Photo of Ellen F.
By: Ellen Fehler
Can I get a reward by introducing a new customer to the card?
Nov 30, 2012
Photo of Card H.
Card Hub
No, there are no referral bonuses.
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Last updated on: Sep 12th, 2014 at 1:52 EDT