1-2-3 REWARDS® Visa® Credit Card

Updated: Mar 26, 2021

Advertiser Disclosure

The 1-2-3 Rewards Visa Card is packed with features. Cardholders can earn 1, 2, or 3 points for every dollar spent, depending on where the card is being used. Points can be redeemed for free groceries. Additional features include zero fraud liability and the ability to purchase anywhere Visa is accepted.




11.99% - 23.99% Variable



418 User Ratings

1-2-3 REWARDS® Visa® Credit Card

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Introductory APR


Intro APR Period

9 months

Minimum Credit Score


Key Features

  • Save an Additional $.25 a gallon for the first three months when you redeem 100 fuel points at participating Kroger family of stores fuel centers
  • Earn free groceries faster at Kroger, King Soopers, Dillons Smith's, Fry's, and QFC; 3 points per $1 spent on Kroger family of brand products
  • 2 points per $1 spent in the Kroger® family of stores (excluding fuel centers)
  • 1 point per $1 spent anywhere Visa Cards are accepted
  • Every 1,000 points earned gets $5 in free groceries. Rewards sent automatically every quarter
  • 0% intro APR* for the first 9 billing cycles on purchases and balance transfers. After that, a variable APR currently 11.99%-23.99%
  • $0 annual fee*

Our Take

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Basic Information
Issuer: US Bank
Network: VISA®
Category: Consumer (Regular)
Review: Full Card Review
Best Used For:
  • Co-Branded
  • Low Interest Rate
  • Shopping
Rewards: Yes
Reward Types:
  • Other Rewards
  • Grocery Rewards
Reward Units: Point
Rates & Fees
Introductory APR (%): 0%
Applied Towards:
  • Purchases
Intro Period: 9 months
Regular APR: 11.99% - 23.99%
Regular APR Type: Variable
Annual Fee: $0
APR on Cash Advances: 25.24%
Grace Period: 24 - 30 days
Late Payment Fee: $35
Other Fees:
  • Foreign transaction fee: 2.8% of each foreign purchase transaction or foreign ATM advance transaction in U.S. dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a foreign currency.

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Non-Affiliate Offer Disclosure
*The information provided for 1-2-3 REWARDS® Visa® Credit Card is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.

1-2-3 REWARDS® Visa® Credit Card

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1-2-3 REWARDS® Visa® Credit Card

1-2-3 REWARDS® Visa® Credit Card

Min. Credit Required: Good

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