Kroger makes it easy for you to earn rewards when you shop, with multiple options to help you pay the way you want. With the 1-2-3 REWARDS® World Mastercard®, Kroger REWARDS Debit Card, and Kroger REWARDS Prepaid Visa® you can pick the best payment option for you and your lifestyle.
1-2-3 REWARDS® World Mastercard® Credit Card
The 1-2-3 REWARDS® World Mastercard® is so much more than a credit card! Earn FREE groceries1 with rewards checks sent to you automatically 4 times a year. Plus, you’ll save an additional 25¢ per gallon of fuel for 1 year, each time you redeem 100 fuel points.2
- No annual fee!*
- Grow your rewards even faster with automatic bill pay.
- Anytime, anywhere assistance with Mastercard Global.
- Travel assistance service helps with pre-trip destination information, such as visa and passport requirements, immunization and help with lost or stolen travel documents and luggage.
- Worldwide acceptance at more than 1 million ATMs.
Kroger REWARDS Debit Card
The Kroger REWARDS Debit Card is a rewards card and check card, all in one! Instead of writing a check, you simply swipe the Kroger REWARDS Debit Card, enter a PIN and the funds will be taken out of your checking or savings account within 1–5 business days. It’s the perfect card for rewarding you for shopping at The Kroger Co. Family of Stores.
- Enjoy 50% MORE fuel points on grocery purchases every day.3
- No annual fee! Plus, get exclusive offers like a 2% discount off Our Quality Brands, including Simple Truth®, Kroger® Brand and more.4
- No paper checks or ID verifications — It links directly to your existing checking account...simply swipe and go.
- PIN protected — just like a Debit Card.
- Easy and secure — save time, earn fuel points and grocery rewards with one card swipe.
Kroger REWARDS Prepaid Visa®
The Reloadable Kroger REWARDS Prepaid card is a great alternative to cash and earns points towards free groceries at the Kroger Family of Stores. Plus NO credit check, overdraft fees or bank account required!
- Earn $5 for every 1000 points5 you accrue PLUS an additional 5¢ off at the fuel pump.
- Get $10 when you sign up for Free direct deposit.6
- Track your spending with our easy to use mobile app.
- Use your card everywhere Visa is accepted including in store, online or to pay bills.
- Reloading is easy through Direct Deposit, Recharge Card, Bank Account, PayPal, check or card to card.
1-2-3 REWARDS® World Mastercard®
The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
©2018 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 Rewards Points toward free groceries. Rewards Points are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions qualify for Rewards Points, such as Advances, Balance Transfers, and Convenience Checks. You may not redeem Rewards Points, and you will immediately lose all of your Rewards Points, if your Account is closed to future transactions (including, but not limited to, Program misuse, failure to pay, bankruptcy, or death). Purchases made at The Kroger Family of Companies Fuel Centers do not earn Rewards Points. Rewards Certificates sent automatically only to balances greater or equal to 1,000 Rewards 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.
2 Offer applies to new cardmembers 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. Must be approved for the 1-2-3 REWARDS® World Mastercard® to qualify for this offer. You must scan, redeem points and pay with your 1-2-3 REWARDS® World Mastercard® 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® World Mastercard®. 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.
*The APR may vary and as of 9/28/18, the variable APR for purchases and Balance Transfers is 13.99%-25.99% (based on your creditworthiness). The variable APR for Cash Advances is 27.24%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 4% of each check amount, $10 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee: 4% of each transfer amount, $10 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0. We 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.
Kroger REWARDS Debit
3 You will earn points toward discounted fuel purchases when you use your Kroger REWARDS Debit Card to make eligible purchases. Fuel discounts are available at The Kroger Co. Family of Stores Fuel Centers each time you redeem at least 100 existing and unexpired points. You will earn points on eligible net purchases (eligible purchases (exclusive of taxes) minus returns and credits). When you use your Kroger Rewards Debit Card to make an eligible purchase, you will earn one (1) point for each one dollar ($1) of eligible net purchases you make as a Kroger Rewards Program participant and an additional point five (0.5) points for each one dollar ($1) of eligible net purchases because you used your Kroger REWARDS Debit Card to make the purchase. Points may take up to 48 hours after your purchase to be credited to your account. Points earned in any month will expire at the end of the next month and do not accumulate across months. Points are not redeemable for discounted fuel purchases where prohibited by law, including Louisiana & Missouri. This offer is subject to change as described in the Kroger Rewards Debit Card Terms and Conditions. See your Kroger Rewards Debit Card Terms and Conditions for more details.
4 You will earn a discount in an amount equal to 2% of the aggregate cost (exclusive of tax) of Our Quality Brand Products you purchase, when you use your Kroger REWARDS Debit Card to make the purchase. This discount will automatically be applied to and deducted from your next purchase made using your Kroger REWARDS Debit Card. Discounts may take up to 48 hours to be credited to your account. Visit www.kroger.com/b/ourbrands for a complete list of Kroger Our Quality Brands. This offer is subject to change as described in the Kroger Rewards Debit Card Terms and Conditions. See your Kroger Rewards Debit Card Terms and Conditions for more details.
Kroger REWARDS Prepaid Visa®
The Kroger REWARDS Prepaid Visa® Card is issued by U.S. Bank National Association, Member FDIC, pursuant to a license from Visa U.S.A. Inc.. It is not a credit card or a gift card. Monthly service fee and other fees apply. Visit www.krogerprepaid.com for details.
5 Your account must be open and in good standing to earn points and redeem coupons. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Eligible net purchases do not include purchases made at the Kroger Family of Companies Fuel Centers, lottery tickets, Gift Cards, Money Orders, Recharge Card™, prescriptions, on any applicable fees or taxes, or when you purchase alcohol or tobacco at a Kroger Family of Companies location. You may not redeem Rewards, and you will immediately lose all of your Rewards if the Card account is closed for any reason (including, but not limited to, due to Program misuse, bankruptcy, or death). Points expire 24 months from month issued. Electronic coupons expire 12 months from issue date. Rewards program is subject to change without notice. See your Cardholder Agreement for details.
6 One-time $10 credit will be applied within 30 days after a successful first direct deposit is made to a Reloadable Card account. Account must be open and in good standing at the time of the credit. Offer not valid for existing accounts receiving direct deposit.