Kroger 1-2-3 Rewards Credit Card

kroger credit card
Required Credit Score:
319 reviews   Write a Review
Info about the Kroger 1-2-3 Rewards Credit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
Existing Cardholders
Change my rating to: Excellent

Kroger 1-2-3 Rewards Credit Card’s Rewards

Base Earn
1 point / $1
Max Earn
3 points / $1
  • 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.
  • Get unlimited rewards at Kroger, King Soopers, City Market, Dillons, Baker's, Smith's, Fry's and QFC.

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

Purchase Intro APR
0% for 9 months
Transfer Intro APR
0% for 9 months
Regular APR
14.24% - 24.24% (V)
    4% (min $10)

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

  • MAX LATE FEE   $37
  • GRACE PERIOD   24 days
    25.49% (V)
    4% (min $10)
  • SMART CHIP   Yes, chip-and-signature
  • Zero Fraud Liability.
  • Travel benefits: Travel and Emergency Assistance Services and Auto Rental Collision Damage Waiver
Apply Now
at U.S. Bank’s
secure site

Customer Questions and Answers

Don't see what you're looking for? Submit your question about Kroger 1-2-3 Rewards Credit Card to our community.

Can you make a payment on the card at Kroger?

Photo of Card H.
Mar 25, 2015
No. You can only make payments online, through mobile banking, by going at a branch or by sending a check along with the Payment Coupon from your monthly statement through the mail. You can find all the information you need about payment on your monthly statement.
13 Votes 18 5

Was my Kroger Visa approved?

Photo of Card H.
Mar 15, 2016
You’ll likely be notified first via email, then through a physical letter in the mail and, ultimately, by receiving your actual card. But if it’s taking too long, you can always call customer and see what’s up. They can be reached at: 877-373-6192.
12 Votes 14 2

Maxed my cash assistance out. Short on funds. When is the next time I can pull more out? Is it good for my credit to use the cash on my Kroger Rewards card?

Photo of Card H.
Apr 13, 2016
Unfortunately, you will not be able to use your credit card for another cash advance until you make a payment. It’s best to avoid cash advances whenever possible, as they are very expensive. This particular card charges a 4% cash advance fee (minimum $10) as well as interest that immediately begins accruing at a 25.49% variable rate. Furthermore, maxing out your credit line results in an extremely high credit-utilization ratio, which causes significant credit-score damage.

For more information about, please check out our guides on cash advances ( ) and maxed out credit cards ( ). Hope this helps. more
9 Votes 11 2
Show More Questions

Customer Reviews

Share your insights and review the Kroger 1-2-3 Rewards Credit Card.

Your Rating
Delete Review

3.3 out of 5

319 reviews
Photo of Darla P.
May 31, 2016
Customer service is crap, and they don't seem to care! They shorted me three months in a row on the "triple points" on Kroger family purchases. I had saved my receipts, because I was suspicious they were shorting me. One month they didn't even give me the amount I had spent on their brands, let alone triple that! The first 2 months, after calling to complain, and insisting they make it right, they did reimburse me. But the 3rd month, they said there was nothing they could do, and that there was a lapse in the amount of time from the purchase to when it shows up on my acct. more
Photo of Sipra R.
May 20, 2016
Awful. They don't try to help customer. Cheat the customers. Ask the president to help. He hand over the job to somebody else. He is big & getting paid big box.
Photo of Donnie H.
May 6, 2016
This card is just a scam . You're told your money will be accessible in 24 hours , but once you sign up and you get paid you're not allowed access to your money for up to 3 business days . When I was researching cards for my direct deposit one of their represented told me I'd have access to my money in 24 hours , that's the reason I chose this card . I guess it's anot her scam people should look out for .
Photo of Lori R.
Feb 23, 2016
Customer service on the card is horrible. They will talk over you and hang up on you when they don't know the answer to your question. Then you start all over again and get no where. DON'T WASTE YOUR TIME!
Photo of Marietta R.
Dec 24, 2015
My wife had the prepaid debit card the Fry's 123 Rewards Card. She had for four years. It was NOTHING BUT A HASSLE!!!! In the beginning she wasn't getting her grocery coupons for the points she had accumulated. She could only load $1,000 at a time. In the last few months it wouldn't giver a point balance. For over a year she couldn't access the point balance website as it would not give her any detailed information. She called numerous times on this problem and NOTHING was done nor accomplished it fell on deaf ears!!!! The customer service reps are in Alabama and are horrendous to deal with. The were more
Photo of Karen K.
Dec 22, 2015
This card is excellent for a gas purchase at Kroger. As far as rewards are concerned, forget it!! 1,000 points gets you 1 $5 check to use at Kroger. You can do so much better with other credit cards when it comes to rewards. If you want great rewards, put the Kroger 1-2-3 Rewards credit card away!! In fact Kroger should take the word "Rewards" out of the name of their credit card. There are almost no rewards.
Photo of Shawn H.
Oct 20, 2015
Does anyone know if you can combine your Kroger Plus card points with your 123 Rewards credit card points?
Photo of Card H.
Oct 28, 2015
Yes, you can link your two accounts to combine any existing fuel points, as long you haven’t linked them before. For help with this, you can contact Kroger Card customer service at 877-373-6192. Keep in mind that gift certificate points cannot be pooled between card accounts.
Photo of Sara W.
Jul 22, 2015
The WORST waste of time on hold for CS that has no clue about rewards. I earned 1500 points. No gas discount and used the card exactly as I was told by CS. NO Gas discount NO free groceries!! Biggest scam. Do not waste your money to reload. I got absolutely nothing. They should be shut down for false advertising.
Photo of Nichole M.
Jun 29, 2015
I try not to use credit cards in general but when I saw the perks of having a 1-2-3 rewards card I didn’t hesitate to sign up! The fuel points alone make it worth it for me. Plus, Kroger is the only grocery store I shop at so I feel like it really helps me save. The benefits of this card definitely outweigh your regular credit card and customer service has always been top notch!
Photo of Samantha G.
Jun 12, 2015
I have a 123 rewards prepaid card...2 weeks ago I bought a recharge card to load the funds onto my personalized card however numbers were missing off of the card. I went back into the kroger and they call the most useless card services department. They had ne faxe in all my reciepts and everything showing that I purchased it. I did that. $500 is missing and they won't give it back!!! I am beyond pissed. Every day I call these people and get the run first I was told 1 business day and then 4 business days, and then 8 business days. Now they say the don't even more
Photo of Sara W.
Jul 22, 2015
Oh yeah. Sounds just like my experience. If I could only have the mmoney I spent to reload this useless card...earned almost 2000 nothing
Photo of Arlene I.
Jun 3, 2015
discounts on fuel and food
Photo of Emily R.
Apr 10, 2015
I was a little skeptical about getting a credit card just for the rewards, but I have been nothing but pleased with my Kroger 1-2-3 Rewards card. I shop at Kroger all the time, so I figured why not? The card provides me with coupons and rewards that I can use when I go grocery shopping

It has been easy and pleasant to work with this credit card company. I have it connected directly to my online banking, so it is easy to make payments and manage my account. It is super convenient to have the Kroger rewards and my credit card connected so I only need one card to check more
Photo of Jeff F.
Apr 8, 2015
I absolutely love the Kroger 1-2-3 Rewards Visa Credit Card! It's very easy to apply for and has a ton of rewards and benefits compared to other credit cards and reward cards. Variable but low interest and a very wide range of benefits. Rewards points for Kroger-brand purchases, points for shopping at Kroger, and even points (though not as much) for shopping anywhere else. Add that onto a low 9-month intro apr and 5 dollars off for every 1000 points on groceries and these deals really add up as you go along.

If you're a constant Kroger customer, this card is perfect for you and has served me well. There are more
Photo of Randi K.
Apr 7, 2015
So far so good! The rewards on this card are fantastic if you shop regularly at Kroger stores. Plus, the rates are quite comparable to other cards. It's very convenient to just scan your Kroger Plus card with the same card you purchase your items, and bonus points for free groceries? Even better.
Photo of Aaron W.
Mar 9, 2015
I LOVE this card. I drive as part of my job and I can't count the number of gas stations I've been to where there's an option when you pay to enter your "Kroger Rewards" - so the card does you good even when you aren't shopping at Kroger. I like the fact that it's 3 cards in one, including a "regular" Visa card. The no annual fee makes it where there's really only positive things to say about this card. If you're shopping at Kroger I don't know why you wouldn't use this card...points on buying groceries (which you're going to do anyway), which turn into FREE groceries! more
Photo of Luke B.
Feb 20, 2015
This seems like a good card for people who do most of their grocery shopping at Kroger. The late fee looks normal, the interest rate is similar to other rewards cards I have, like the Citi Forward. The rewards look decent.
Personally I prefer a rewards card that doesn't tie me to one retailer.
Photo of Dwight A.
Feb 16, 2015
Kroger has it name on it but has nothing to do with it
Photo of RC V.
May 3, 2015
I had the same discovery today in Palm Springs at the Sunrise and Ramon Ralphs store. I was trying to pay my card payment at the register and the manager just looked at me an stared because he couldn't or wouldn't accept my payment and instead wanted to charge me a western union fee to send the payment in! That is total B*llsh*I costing me a shipping fee to make a payment! Crappy Card and Ralphs personnel are pretty much illiterate!
Photo of Sara W.
Jul 22, 2015's a huge scam!!!
Photo of Roskie S.
Jan 10, 2015
Photo of Tom H.
Jan 7, 2015
This doesn't seem like a bad card. Standard late fee, middling interest rate which can bounce higher, and a decent rewards system.

When it works, it works. I've used rewards points at my Kroger store but I had some security issues on mine. Dealing with customer support was a huge pain and it took a day on the phone to get someone to clear it up.

If you're a big Kroger customer, consider it. Otherwise I'd pass.
Photo of Michael K.
Dec 11, 2014
No smart chip, don't like the fact I can't just come in and use coupons. Please offer pay with debit card option, so I am not tied in to your "Card" I am a US Bank customer, should have the option to use my existing US Bank cards.
Photo of Brian H.
Nov 30, 2014
if I could rate this card a negative 5, I would. fight for your cash back rewards is an understatement. I've called at least 4 times now and been told that "they are looking into it" or " it was already sent out". this was about 6 months ago. I do not think it is us bank's fault since I applied for an REI card administered by us bank and received the rewards almost instantaneously. conclude what you will...
Photo of Sara W.
Jul 22, 2015
The WORST card ever. Earned 2000 points and got nothing!!!
Photo of Karen K.
Dec 22, 2015
Give up. You have to spend a small fortune to get any rewards. Save this card for gas purchases at Kroger Fuel only. Get another card for the rewards.
Photo of Pamela C.
Nov 21, 2014
.....for the love of God and also that you are a very smart consumer and credit card participant. DO NOT EVER, p l e a s e........request a 123 Rewards Visa , IT IS ISSUED BY US BANK. THEY ARE THE WORST BANK IN AMERICA TO OFFER CREDIT....... THEY LIE WHEN YOU FIRST APPLY, LEADING YOU TO BELIEVE THAT YOU WOULD PAY A MUCH LESS INTEREST RATE. NOT....





Pamela S. more
Photo of RC V.
May 3, 2015
When I made my Kroger card payment at the US Bank they took my B o f A debit card behind the counter an ran it through an ATM machine and didn't tell me and two statements later I find the $5.00 ATM charge for this first payment and on the statement that showed I made my second payment and then a month later I get the second ATM charge of $5.00 so I went to my bank and told them and they erased both ATM Fees that should never have been charged and that the US Bank never told me that they ran my card thru their ATM to more
Photo of Sara W.
Jul 22, 2015
I am right with u guys!!! Terrible!!!
Photo of Jammer J.
Nov 10, 2014
It is not in your best interest to apply for this card. As you go through the process of getting this card the terms will mysteriously change. The 50$ cash reward they offer you will have to be fought for. Ask yourself one thing.! If they do this before you commit! What more will they do after you commit to their card and after you owe them money. I know, you may need some credit. But, ask your mom, your brother, your friend or someone you just met for money if you need it that bad. Thank you.
Photo of RC V.
May 3, 2015
Crapppy Card trying to compete with B of A, Citi-Bank and all others but they don't have the gunpowder to be able to compete!
Photo of Sara W.
Jul 22, 2015
Photo of Erwin Z.
Nov 4, 2014
Saving 25 cents a gallon on gas with the Kroger 1-2-3 Rewards Credit Card is a very good deal, especially for some who drives a lot like like me.
Photo of Sara W.
Jul 22, 2015
If I actually got the rewards then u must be very lucky
Photo of Kyle M.
Oct 9, 2014
The Kroger 1-2-3 Rewards Credit Card is a pretty good option if you shop with them frequently and need a card.

Interest rate is pretty good and competitive with other cards, good grace period which can be helpful. The big thing, of course, is if you're a big Kroger customer. If you are you'll get a lot out of the rewards and benefits. Bonus points, cheaper fuel, it's a pretty good deal.

Compare it to the Walmart Store Card. Similar interest rate (Kroger is a bit better), better bonus points (though both are good for fuel savings) and otherwise similar terms. Obviously it'll depend on which place you go to more but more
Photo of Fakou N.
Oct 9, 2014
This card is limited and terrible in so many ways. Effective 1% cash back if and only if you spend $500 a month on groceries at kroger. Else a 0.5% on all other purchases. This forces you to shop at kroger despite whatever competitive prices there may be at other grocers meaning you have easily paid 20% more in the $500 groceries you buy a month in exchange for $5/month. I think I like the $100 not spent more than the $5 back in groceries. Laughable, so look else where as 1% is an industry standard for ALL purchases on any simple rewards credit cards.
Photo of Chris S.
Sep 24, 2014
Terrible Card. Had an emergency and NOT ONE PERSON AT THE CUSTOMER SERVICE LINE COULD ASSIST. You cannot get a hold of anyone in management unless you ask the rep to fill out a call back form and then you will not receive a call for up to 48 hours. I waited the 48 hours with ZERO call backs. Time to get out hte scissors and spread the word to not get this CARD at all.
Photo of Sara W.
Jul 22, 2015
The SAME experience with CS!! Earned over 1500 points..nothing!!!
Photo of Christina H.
Sep 12, 2014
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.
Photo of Lissa B.
Aug 26, 2014
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.
Photo of Holly J.
Jul 29, 2014
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.
Photo of Johnny Z.
Jul 25, 2014
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.
Photo of Fang T.
Jul 24, 2014
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.
Photo of Will J.
Jul 23, 2014
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
Photo of Sara W.
Jul 22, 2015
I am with u! Same experience!!
Photo of Da M.
Jul 11, 2014
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.
Photo of Ricky G.
Jun 12, 2014
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
Photo of Bianca H.
Jun 4, 2014
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
Photo of Travis H.
May 20, 2014
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.
Photo of Tony S.
May 20, 2014
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.
Photo of Elizabeth J.
May 15, 2014
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
Photo of Renee N.
May 13, 2014
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.
Related Credit Cards

If you are interested in the Kroger 1-2-3 Rewards Credit Card, check out the following credit cards as well:

Related Credit Card Categories

Kroger 1-2-3 Rewards Credit Card is related to the following credit card categories:

Other Kroger Cards

CardHub is an independent card comparison service.

We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Once you click the "Apply Now" button, you will be directed to the issuer's website. Before applying, we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Kroger 1-2-3 Rewards Credit Card shown on this page.

Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted toward the top of the page using the designation "Sponsored Card", when applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

Regardless of advertiser status, none of the information on CardHub constitutes a referral or endorsement of the respective issuer by us, or vice versa. Furthermore, it is important to note that the inclusion of non-sponsored cards on CardHub does not indicate that issuer's involvement with the site. Information is displayed first and foremost for helping consumers make better credit card decisions.

Last updated on: Sep 23rd, 2016 at 3:53 EDT

Your email request has been submitted

Thank You

Go Back

Share by Email

250 Characters Remaining