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1-2-3 REWARDS Visa Credit Card

1-2-3 REWARDS® Visa® Credit Card

- 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 first 9 billing cycles on purchases and balance transfers. After that, a variable APR currently 13.99%-23.99%
- $0 annual fee*

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Information - Rates - Fees

Intro APR:

0%*

Applied Towards:

Purchases
Balance Transfer

Intro Period:

9 months*

APR:

13.99% - 23.99%*

APR Type:

variable

Annual Fee:

$0*

Issuer:

US Bank

Card Network:

VISA®

Card Category:

Consumer (Regular)

Card Type:

Co-Branded Credit Card
Instant Decision Card
Low Interest Credit Card
Reward Card

Credit Needed:

Good*

Grace Period:

24 - 30 days*

Min Finance Charge:

$2.00

Late Payment Fee:

$35.00*

Over Limit Fee:

$35.00

Balance Transfers

Balance Transfer:

Yes

Transfer Fee (%):

3.00%

Minimum Fee:

$5.00

Cash Advances

APR on Cash Advances (%):

25.24%

Cash Advance Fee (%):

4.00%

Minimum Fee:

$10.00

Other Fees

Additional 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.

Review by CreditCardsBay™

The 1-2-3 Rewards Visa features a grocery reward program. Free groceries can be earned by using the card anywhere that Visa is accepted. Cardholders will earn 1 point for every dollar with any merchant. 2 and 3 points can be earned for every dollar when the card is used at Kroger stores and brands. The card also doubles and triples as a reward card and shopper's card.

Zero fraud liability protects cardholders against having to pay for fraudulent purchases. Other features on the card include such things as online account management and 24/7 customer service. An account balance inquiry, credit line balance and other tidbits can be found with the click of a button. The application for the card is online, making it easy to apply.

Features

Most attractive:

- Introductory rates
- No annual fee
- Rewards program

Least attractive:

- Not all applicants can get lowest rates

Rewards & Benefits

Reward Types:

Other Rewards Cards
Universal Reward Cards

Reward Unit:

Point

Rewards:

- 1 point per $1 spent anywhere Visa is accepted
- 2 points per $1 spent in the Kroger family of stores (excluding fuel centers)
- 3 points per $1 spent on the Kroger family of quality brands

Expiration:

None*

Yearly Limit:

None*

Other Benefits:

* See Terms and Conditions of the card

Online Access:

Yes!

The information provided for 1-2-3 REWARDS Visa Credit Card is believed to be accurate at the time of evaluation (Apr 24, 2013). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.