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Kroger 1-2-3 Rewards® Visa® Card

Kroger 1-2-3 Rewards® Visa® Card


Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 2 Offer Ratings
Over the Past 60 Days!

(2) Over the Past 60 Days!

  • APR 14.24% - 24.24%
  • Intro APR 0% for first 9 billing cycles
  • Cash Advance APR 25.49%
  • Annual Fee $0
  • Cash Advance Fee Either 4% of the amount transfer or $10 minimum, whichever is greater
  • Balance Transfer Fee Either 4% of the amount transfer or $10 minimum, whichever is greater
  • Foreign Exchange Fee 2.8%
  • Rewards Details 1 Point per dollar of Net Purchases - All Purchases outside Kroger Family of Stores excluding Kroger Fuel Centers


  • Click "APPLY NOW" to apply online
  • View your balances, transactions and account statements
  • Enroll in paperless statements
  • Make online payments or set up recurring AutoPay
  • Enroll in security and account alerts via email or text messages
  • Use your Web-enabled mobile device to view your account
  • View your earned Rewards Points

Expert Reviews

From the Editorial Team

The Kroger 1-2-3 Rewards Visa gives rewards in the form of points that add up to free groceries. For frequent Kroger's shoppers this card is a great choice to earn 1 point for every $1 spent anywhere. 

Expert Reviews of the Kroger 1-2-3 Rewards® Visa® Card

  • 3.5

    Regular APR

  • 5.0

    Intro APR

  • 3.0


  • 4.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

Points are confined only to being redeemed at Kroger's Stores, which rather limits the usefulness of this card - though if you are a regular shopper at Kroger's, it may well be worth holding this card.

The Good

This card offers no annual fee as well as in introductory APR on both purchases and balance transfers. 

The Not So Good

While this card does offer no annual fee, transaction fees of 4% of the amount of each transfer or advance can really add up. 

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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