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Earn unlimited rewards1 with the 1-2-3 REWARDS® Visa Card.


Apply now with this limited time offer and receive:

  • 0% introductory APR* on purchases and balance transfers for 9 billing cycles, after that a variable APR, currently 14.49% - 24.49% based on your creditworthiness 
  • An Additional 25¢ fuel discount2 for the first three months at participating Kroger Family of Stores Fuel Centers

Earn Points toward FREE groceries1

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

Every 1,000 Points = $5 in FREE groceries. Rewards are sent automatically every quarter.

Plus enjoy these benefits: 

  • You are protected with zero fraud liability3 
  • No annual fee 
  • It's 3 cards in 1 - Rewards Card, Shopper's Card and Visa Card

Apply Now for the 1-2-3 REWARDS Visa Card

View all benefits 

1-2-3 REWARDS® Visa Card

Apply Now for the 1-2-3 REWARDS® Visa Card!  

Earn points toward FREE groceries and fuel!

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*Your 0% introductory APR applies to balance transfers made within 30 days of account opening. The introductory rate does not apply to cash advances. Balance transfer fees of 4% of each transfer amount ($10 minimum) apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.


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, 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 Companies Fuel Centers when you redeem at least 100 existing fuel points earned in a single month. 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 three months 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.® 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 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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