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Frequently Asked Questions

How to Apply
  • Click to Show/Hide How can I check the status of my application?
  • 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.
  • Click to Show/Hide How long will it take to receive my card?
  • 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 days. Length of time varies depending on individual credit status, address verification and card processing time.

Member Benefits
  • Click to Show/Hide Can I redeem my 1-2-3 REWARDS® certificates for cash?
  • 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.

Basic Card Facts
  • Click to Show/Hide Is the APR competitive?
  • The APR is competitive for credit cards that offer rewards. Keep in mind that you pay no interest if you pay your bill in full by the payment due date.

Additional Questions

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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.

©2014 U.S. Bank National Association. All rights reserved.