1-2-3 REWARDS® Visa® Card


  • For every $1 net purchase you’ll earn:*
    • 1 point anywhere Visa Cards are accepted.
    • 2 points in the Kroger® family of stores (excluding fuel centers).
    • 3 points on the Kroger family of quality brands.
  • Rewards are sent automatically every quarter. Every 1,000 points you earn gets you $5 in free groceries.
  • Save an additional 25¢ per gallon at Kroger Family of Stores Fuel Centers* for the first 3 months when you redeem 100 fuel Rewards points.
  • It's three cards in one - Rewards Card, Shopper's Card and Visa Card.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Good Credit, Excellent Credit Personal $0* N/A* N/A* 14.99%* - 24.99%* Store Specific

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1-2-3 REWARDS® Visa® Card Quick Summary:
This is a Visa rewards card, issued by U.S. Bank. Store reward cards normally offer rebates on specific brand merchandise or purchases. This card is intended for consumers, or "personal use" with a good to perfect credit history. Rates may vary among applicants, however the lowest standard APR is 14.99%* and may be as high as 24.99%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

Rewards:
This card is a store or brand specific rewards card, where you can expect rewards, gift certificates, or even rebates for your purchases, according to the offer details.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 727 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any U.S. Bank product.

Other Basics:
The grace period listed for the 1-2-3 REWARDS® Visa® Card is at least 24 - 30 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment (subject to available credit).

Approval Rate:
There was 1 person that reported the application status to us after applying. The applicant was approved. Helpful qualification information, including credit scores, rates, household income and more was reported.

The approval rate for this card is high. Furthermore, if your FICO score is close to or higher than 727, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 71% of 7 users recommend this card.

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