"Perks Aren't Worth It"
1-2-3 REWARDS® Visa® Card Review
Written by: breakinger on 2016-10-11
Overall Satisfaction
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breakinger's review: 
I've had this card for about a year now and it's taken me a long time to accumulate the points on it. I found out that 1000 points only gets you $5 off at your local Kroger store. Only getting a small amount off doesn't seem worth it to me. I've also had an issue with sending money through Western Union using the card. Apparently, they considered it to be a cash advance purchase and I was charged another $20. I don't think I'll be holding onto this card much longer.
I've had this card for about a year now and it's taken me a long time to accumulate the points on it. I found out that 1000 points only gets you $5 off at your local Kroger store. Only getting a small amount off doesn't seem worth it to me. I've also had an issue with sending money through Western Union using the card. Apparently, they considered it to be a cash advance purchase and I was charged another $20. I don't think I'll be holding onto this card much longer.
4 Comments
Comment 1 by wanderer
Re: Perks Aren't Worth It 
on 2016-10-12
Good information! Was unaware of the low rewards return on this US Bank product. As I read in the great internet world I see cards that offer 2% to 3% and even more for groceries. Cannot remember who they are right now but, you may want to research for a replacement card with better rewards especially groceries.
on 2016-10-12 Good information! Was unaware of the low rewards return on this US Bank product. As I read in the great internet world I see cards that offer 2% to 3% and even more for groceries. Cannot remember who they are right now but, you may want to research for a replacement card with better rewards especially groceries.
Comment 2 by roughdraft
Re: Perks Aren't Worth It on 2016-10-12
Yeah, the rewards are okay. If you earn $5 for every 1000 points and earn points at a rate of 1/$1 your're only earning .5% back. You earn 2 points per dollar at Kroger stores (1%) and an additional point on Kroger branded items, (1.5%). For use exclusively at Kroger you would be okay, most cash back cards only offer 1.5% back anyway but some have 2% or 3% rewards at grocery stores in general.
on 2016-10-12 Yeah, the rewards are okay. If you earn $5 for every 1000 points and earn points at a rate of 1/$1 your're only earning .5% back. You earn 2 points per dollar at Kroger stores (1%) and an additional point on Kroger branded items, (1.5%). For use exclusively at Kroger you would be okay, most cash back cards only offer 1.5% back anyway but some have 2% or 3% rewards at grocery stores in general.
Comment 3 by wanderer
Re: Perks Aren't Worth It on 2016-10-15
Oh it dawned on me that the Citi Double Cash Master Card gives you 2% on everything. May want to investigate the card. No AF.
on 2016-10-15 Oh it dawned on me that the Citi Double Cash Master Card gives you 2% on everything. May want to investigate the card. No AF.
Comment 4 by breakinger
Re: Perks Aren't Worth It on 2016-12-12
Thanks, wanderer. I will definitely check out the Citi Double's card. That card seems like the rewards are much better than this one. I do a lot of shopping at groceries stores especially around this time of the year and it would be nice to earn points faster and at multiple stores.
on 2016-12-12 Thanks, wanderer. I will definitely check out the Citi Double's card. That card seems like the rewards are much better than this one. I do a lot of shopping at groceries stores especially around this time of the year and it would be nice to earn points faster and at multiple stores.
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Disclaimer: This content is not provided by U.S. Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by U.S. Bank. Review content is powered by Finance Globe.
