Frequently Asked Questions

How to Apply
Yes. If you do not currently have a Shopper’s card number with your Kroger Family of Stores, one will be assigned to you.
Yes. Plus, you can request to add authorized signers to your 1-2-3 Rewards® Visa Card account so your spouse can use the card too.
Please call 800-947-1444 and choose option 1 for the status of an application. For your security, you will be required to enter your social security number to locate the application. Additional verification item(s) may be needed to validate.
In most cases, when applying online you will receive the status of your application immediately. If you're approved, your card will arrive in 7-10 business days. Length of time varies depending on individual credit status, address verification and card processing time.
Once you receive your card in the mail, call 888-200-9959 to activate.
Member Benefits
Visit our 1-2-3 Rewards® Visa Card benefits page to learn more.
Visit our 1-2-3 Rewards® Visa Card benefits page to learn more.
You can view your earned Rewards Points by logging into Online Banking. Learn more about Online Banking.
Rewards Points are earned at time of purchase and will be reflected on your account after the transaction posts. You can view earned Rewards Points in Online Banking. Learn more about Online Banking. For every 1,000 points you earn, you will receive a $5 1-2-3 Rewards® certificate.
1-2-3 Rewards® certificates are issued four times a year and mailed to customers in February, May, August and November if your Account is open and in good standing. Remaining points, less than 1,000, will roll over into the next cycle.
Yes, after 24 months your points do expire.
You can redeem your 1-2-3 Rewards certificates® at any of the Kroger family of stores.
Your 1-2-3 Rewards® certificates must be redeemed within one year of the date on the certificates.
1-2-3 Rewards® certificates have no cash value and may only be used to purchase selected merchandise at the Kroger family of stores. Purchases must exceed the value of your 1-2-3 Rewards® certificates, as we cannot give you cash back.
Because you earn 1-2-3 Rewards® Points for purchases, the points you earned for a purchase you return will be subtracted from your point total.
Basic Card Facts
No. You can use the 1-2-3 Rewards® Visa Card anywhere Visa is accepted. However, you do earn extra points by shopping at the Kroger Family of Stores.
Yes. You can use your 1-2-3 Rewards® Visa Card with a Personal Identification Number (PIN) for cash advances at ATMs that accept Visa Credit Cards. Cash advances do not earn Rewards Points.
The APR is competitive for credit cards that offer rewards. Keep in mind that you pay no interest on purchases if you pay your bill in full by the payment due date each month.
You can access your 1-2-3 Rewards® Visa Card account from any Internet-enabled computer.
Learn more about Online Banking.
Yes. Your 1-2-3 Rewards® Visa Card is your Shopper’s card, Visa, and rewards card all in one.
Additional Questions
Please visit our About Enrolling page to learn more about enrolling your account into Online Banking.
Your statement is designed to make it easy to view important information on your account. Learn more about reading your statement (PDF).1

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.

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