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1-2-3 REWARDS® Visa Card Benefits

Card Art - 1-2-3 REWARDS Visa CardThe 1-2-3 REWARDS® Visa Card gives you unlimited rewards!

It's So Easy! 

  • 1 point per net $1 spent anywhere1 Visa is accepted
  • 2 points per net $1 spent in the Kroger® family of stores (excluding fuel centers)
  • 3 points per net $1 spent on the Kroger family of quality brands

Every 1,000 Points = $5 in FREE groceries.

  • Click to Show/Hide Exclusive Benefits
    • Earn FREE groceries with every purchase1 
    • An Additional 25¢ fuel discount for the first three months when you redeem 100 fuel  points at participating Kroger family of stores2 
    • It’s 3 cards in 1 — Rewards Card, Shopper's Card and Visa Card
  • Click to Show/Hide Earning Rewards
  • Here's an example of what you could earn during a typical 13-week Rewards cycle.
     Outside Our Stores   Earn 1 point per $1 you spend 
       You Spend    $250 for new tires for your car 
       You Earn     250 Rewards points 
     In Our Stores   Earn 2 points per $1 you spend 
       You Spend     $300 for groceries and other purchases in our stores3 
       You Earn     600 Rewards points 
     On Kroger Family of brands     Earn 3 points per $1 you spend 
       You Spend    $75 for our brand products 
       You Earn     225 Rewards points 
     Total Points for One Month    1,075 Rewards points = $5 Rewards Certificate 

  • Click to Show/Hide Travel Benefits
  • Travel & Emergency Assistance Services.4 Helps you coordinate medical, legal, and travel services when you're away from home.

    Auto Rental Collision Damage Waiver.4 Receive 24-hour auto insurance coverage-at no additional cost-for damage due to collision or theft.

    • To activate the coverage, simply initiate and complete the entire rental transaction using your Card and decline the auto rental company’s collision damage waiver (CDW/LDW) option or similar provision.
    • You can be reimbursed for damage due to collision or theft up to the actual cash value of most rental vehicles when certain terms and conditions are met.
    • For faster filing or to learn more about Visa Auto Rental CDW, go to
  • Click to Show/Hide Emergency Benefits
  • Emergency Card Replacement and Cash Disbursement. Get a replacement card or emergency cash, usually within 24 hours, if you report your card as lost or stolen.

    Zero fraud liability.5 You are protected with zero fraud liability.

    24-Hour Cardmember Service.
  • Click to Show/Hide Purchasing Power
  • Worldwide Acceptance. Millions of locations accept Visa credit cards.

    Purchase Security4 Within the first ninety (90) days of the date of purchase, Purchase Security will at the Benefit Administrator’s option, replace, repair items, or reimburse you up to a maximum of $500.00 per claim and fifty thousand dollars ($50,000.00) per cardholder for eligible items of personal property purchased entirely with your eligible Visa card in the event of theft, damage due to fire, vandalism, or accidentally discharged water, or certain weather conditions.

    Easy Cash Access. Use your card at more than 1 million ATMs worldwide.

    Warranty Manager Service.4 Protect and manage important purchases made with your Card. Call 1-800-551-8472 to register your purchases. For faster filing or to learn more about  the Visa Warranty Manager service, go to Either way, you'll receive:

    • Convenient electronic storage of all your warranty information in one easy-to-access place.
    • Extended Warranty Protection: doubles the period of repair service under the manufacturer’s written U.S. warranty up to one (1) additional year on eligible items of personal property which have a valid original manufacturer’s written U.S. repair warranty of three (3) years or less and which you have purchased entirely on your eligible Visa card.

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U.S. Bank may change APRs, fees and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

The creditor and issuer of the 1-2-3 REWARDS® Visa Card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

©2016 U.S. Bank National Association. All rights reserved.

1 Earn points toward free groceries, excluding purchases made at Kroger Family of Stores Fuel Centers. Net spend is purchases minus credits and returns. Rewards sent automatically only to balances greater than or equal to 1,000 points, if your Account is open and in good standing. Rewards Certificates cannot be redeemed at Fuel Centers.
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2 Offer applies to new cardholders only. Discount is available at Kroger Family of Stores Fuel Centers when you redeem at least 100 existing fuel points earned in a single month. You must scan, redeem fuel points and pay with your 1-2-3 REWARDS® Visa® Card in order to receive this fuel discount. Additional 25¢ discount offer expires three months from the cardholder’s approval date. Upon expiration, cardholder will receive additional 5¢ fuel discount at Kroger Family of Stores Fuel Centers, when they scan, redeem fuel points and pay with their 1-2-3 REWARDS® Visa® Card. Not valid with any other fuel offer. Accumulation excludes taxes, office services, tobacco, fuel and any purchases prohibited by law. Fuel discount effective for a limited time at participating fuel center locations. Not valid in LA, MO or where prohibited by law. Purchases made at Kroger Family of Stores Fuel Centers do not earn 1-2-3 REWARDS® Visa® Card points. Please see store for fuel discount details and in-store spending requirements.
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3 Calculation doesn’t include Kroger Family of Brands purchases
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4 Certain terms, restrictions and conditions apply. Refer to your Visa card "Guide to Benefits” terms for further details and to determine if the auto rental coverage is right for you.
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5 U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.
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