Credit Card Review & Application

1-2-3 REWARDS Visa Credit Card


out of 5

- 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
- Earn free groceries faster at Kroger, King Soopers, Dillons Smith's, Fry's and QFC; 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
- Every 1,000 points earned gets $5 in free groceries. Rewards sent automatically every quarter
- 0% intro APR* for first 9 billing cycles on purchases and balance transfers. After that, a variable APR currently 13.99%-23.99%
- $0 annual fee*

Introductory APR: 0%*
Introductory Period: 9 months
APR on Purchases: 13.99% - 23.99% (variable)*
Annual Fee: $0*
Card Issuer: US Bank
Card Network:
Card Category: Consumer (Regular)
Card Type: - Reward Card
Credit Needed: Good*

The 1-2-3 Rewards Visa Card offers cardholders features all year long. The card is designed to provide points for every purchase made. With every dollar spent, at least one point will be earned. When the card is used at Kroger family stores or quality brands, then it's possible to earn 2 or 3 miles per dollar. The points will be rewarded at the end of every quarter.

Cardholders can use the card anywhere that Visa is accepted - with millions of merchants globally. The card can be used in person, online and over the phone. With so many merchants accepting Visa, it is easier to earn the points faster. The points translate to free groceries. Cardholders will be mailed out their reward based upon spending history from the previous quarter.

The card is a 3 in 1. This includes a rewards card, Visa card and shopper card. What this means is that using the card at Kroger family stores can provide a number of discounts. It makes sense to use the card on all fuel and grocery purchases because it can save a significant amount of money over the course of the year.

The 1-2-3 Rewards Visa is an affordable card to own. There is no application fee for the card. There is also no annual fee for the card. The interest rate is variable, based upon the applicant's credit history upon submitting the application.

Applying for the card is very easy. The application is available online and will request basic personal information. The application can be submitted over the internet for fast processing. Once credit is checked and information is verified, a credit decision will be provided. Applicants can receive a credit history within minutes online or receive a credit decision by mail within a few business days.

Additional features of the card include online account management and 24/7 customer service. A username and password will be provided for internet access. This will create a secure connection. Credit balance, available credit and past transactions can all be viewed. Statements can be downloaded and bills can be paid through the online portal as well. Customer service representatives are available 24/7 reachable by internet and by toll free telephone number.

There is also zero fraud liability on the card. Cardholders will be able to use the card without worry of fraud taking place. If a transaction shows up that was not authorized, it needs to be reported. A customer service representative will remove the charge from the account. No cardholder has to pay for a purchase that was made fraudulently. A new card can also be sent out with a new account number for added security.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Reward Unit: Point
Rewards: - 1 point per $1 spent anywhere Visa is accepted
- 2 points per $1 spent in the Kroger family of stores (excluding fuel centers)
- 3 points per $1 spent on the Kroger family of quality brands
Expiration: None*
Yearly Limit: None*
Other Benefits: * See Terms and Conditions of the card
Online Account Access: Yes
Introductory APR: 0%*
Applied Towards: Purchases, Balance Transfer
Introductory Period: 9 months*
APR on Purchases: 13.99% - 23.99% (variable)*
Annual Fee: $0*
Grace Period: 24 - 30 days*
Min Finance Charge: $2.00
Late Payment Fee: $35.00*
Over Limit Fee: $35.00
Balance Transfer:  
Transfer Fee (%): 3.00%
Minimum Fee: $5.00
APR Cash Advances: 25.24%
Cash Advance Fee: 4.00%
Minimum Fee: $10.00
Additional Fees Foreign transaction fee: 2.8% of each foreign purchase transaction or foreign ATM advance transaction in U.S. dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a foreign currency.

We do not offer online application for this card at the moment.

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† The information provided for 1-2-3 REWARDS® Visa® Credit Card is believed to be accurate at the time of evaluation (Jan 3, 2016). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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