1-2-3 Rewards® Visa Card Benefits

The 1-2-3 Rewards® Visa Card gives you unlimited rewards!

It's So Easy!

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

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

Additional Card Benefits
  • Earn free groceries with every purchase1 
  • An Additional 25¢ fuel discount for one year when you redeem 100 fuel points at participating Kroger family of companies2 
  • It’s 3 cards in 1 — Rewards Card, Shopper's Card and Visa Card
Here's an example of what you could earn during a typical 13-week Rewards cycle.
Outside Our StoresEarn 1 point per $1 you spend 
You Spend $250 for new tires for your car
You Earn 250 Rewards points
In Our StoresEarn 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 brandsEarn 3 points per $1 you spend
You Spend $75 for our brand products
You Earn 225 Rewards points
Total Points for 1Month 1,075 Rewards points = $5 Rewards Certificate
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 visit Visa Auto Rental CDW.
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.
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 visit  the Visa Warranty Manager service. 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.
Automatic Bill Payment. Grow your rewards even faster when you take advantage of this easy and fast way to pay bills online.

Manage your Account. Online Banking allows you to view your transactions and much more. 


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.

©2017 U.S. Bank National Association. All rights reserved.

Account must be open and in good standing to earn and redeem rewards and benefits . Upon approval, please refer to your Cardmember Agreement for additional information.


1 Earn points toward free groceries.  Reward points are earned on eligible net purchases.  Net purchases are purchases minus credits and returns.  Not all transactions qualify for Reward points, such as Advances, Balance Transfers, and Convenience Checks. Purchases made at The Kroger Family of Companies Fuel Centers do not earn Reward points.  Rewards sent automatically only to balances greater or equal to 1,000 points, if your Account is open and in good standing.  Rewards Certificates cannot be redeemed at Fuel Centers.  Upon approval, see your Cardmember Agreement for details.
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2 Offer applies to new cardholders only. Subject to credit approval. Discount is available at Kroger Family of Companies Fuel Centers when you redeem at least 100 existing fuel points earned in a single month. Must be approved for the 1-2-3 REWARDS® Visa Card to qualify for this offer. You must scan, redeem points and pay with your 1-2-3 REWARDS® Visa® in order to receive the fuel discount. Additional 25¢ discount offer expires one year from the cardholder’s approval date. Upon expiration, cardholder will receive additional 5¢ fuel discount at Kroger Family of Companies Fuel Centers when they scan, redeem points and pay with their 1-2-3 REWARDS® Visa® Card. Not valid with any other fuel offer. Accumulation excludes taxes, office services, alcohol, tobacco, fuel, prescriptions 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 Companies Fuel Centers do not earn Rewards points. Please see store for fuel discount details and in-store spending requirements. Selling or purchasing fuel points is prohibited. Fuel redemption offer cannot be combined with any other discounts. No discounts to dealers, wholesalers, or fleet programs. No cash back. Not valid where prohibited by law. We may suspend or remove you from the fuel program due to violation of these terms or because of fraudulent activity or suspected fraudulent activity.
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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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