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  Kroger 1-2-3 REWARDS® World Mastercard®

Kroger 1-2-3 REWARDS® World Mastercard®

in Personal Credit Cards from US Bank

Unaffiliated

Kroger 1-2-3 REWARDS® World Mastercard®

Unaffiliated

in Personal Credit Cards from US Bank

SuperMoney Net Recommendation Score -33%

SUPERMONEY NET RECOMMENDATION SCORE

-33%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Mostly not recommended

2 users recommend
0 users are unsure
4 users don't recommend
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Highlights
Highlights
Community Rating Mostly not recommended
Purchase APR  (Variable APR) 13.99% - 25.99%
Balance Transfer APR  (Variable APR) 13.99% - 25.99%
Credit Score Range 640 - 850
Annual Fee $0
Number of Reviews 6

Kroger 1-2-3 REWARDS® World Mastercard® Review

Kroger 1-2-3 REWARDS® World Mastercard® is a store rewards credit card issued by US Bank. If you're wondering whether Kroger 1-2-3 REWARDS® World Mastercard® is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Competitive APRs. Kroger 1-2-3 REWARDS® World Mastercard® has a variable purchase APR that ranges from 13.99% up to 25.99%.
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 4% Balance transfer fee. Kroger 1-2-3 REWARDS® World Mastercard® charges a fee of up to 4% on balance transfers. For example, a balance of $1,000 could cost up to $40 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2.8% every time you make a transaction outside the U.S.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.

Kroger 1-2-3 REWARDS® World Mastercard® Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Cardholders can earn rewards on their purchases.
  • Cardholders can earn rewards on their purchases.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2.8%.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.
  • Charges a 4% balance transfer fee.
  • Does not include many credit card rewards.

Is there a Kroger 1-2-3 REWARDS® World Mastercard® cash back or rewards program?

Kroger 1-2-3 REWARDS® World Mastercard® offers a rewards program to its customers. This card features rewards for purchases in the following categories:

  • Groceries
Kroger 1-2-3 REWARDS® World Mastercard® Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Kroger 1-2-3 REWARDS® World Mastercard® have a signup bonus?

Kroger 1-2-3 REWARDS® World Mastercard® doesn't offer a cash signup bonus.

Does Kroger 1-2-3 REWARDS® World Mastercard® offer an annual loyalty bonus?

Kroger 1-2-3 REWARDS® World Mastercard® doesn't offer a cash loyalty bonus.

What are the relevant APRs for Kroger 1-2-3 REWARDS® World Mastercard®?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Kroger 1-2-3 REWARDS® World Mastercard® has lower than average purchase APRs.

Kroger 1-2-3 REWARDS® World Mastercard® has a variable purchase APR that ranges from 13.99% up to 25.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 25.99%. The card has a variable cash advance APR of up to 27.24%.

Does Kroger 1-2-3 REWARDS® World Mastercard® have an introductory APR offer on balance transfers?

No, Kroger 1-2-3 REWARDS® World Mastercard® does not come with an introductory APR offer for balance transfers.

Does Kroger 1-2-3 REWARDS® World Mastercard® have an introductory APR offer on new purchases?

Kroger 1-2-3 REWARDS® World Mastercard® does not offer an introductory rate on new purchases.
Kroger 1-2-3 REWARDS® World Mastercard® Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Kroger 1-2-3 REWARDS® World Mastercard®?

The following fees apply to Kroger 1-2-3 REWARDS® World Mastercard®:

  • There is no overlimit fee
Kroger 1-2-3 REWARDS® World Mastercard® Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 2.8%
Returned Payment Fee $35
Late Payment Fee $39

Does Kroger 1-2-3 REWARDS® World Mastercard® have a foreign transaction fee?

Kroger 1-2-3 REWARDS® World Mastercard® charges a foreign transaction fee of 2.8%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $56. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

How to apply for Kroger 1-2-3 REWARDS® World Mastercard®

  • Visit the Kroger 1-2-3 REWARDS® World Mastercard® website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 1 point for every $1
No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 4%
Foreign Currency Transaction Fee 2.8%
Minimum Interest Charge $2
Returned Payment Fee $35
Late Fee Amount $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 850
Travel Insurance  
Fraud Liability  
Extended Warranty  
Rewards Categories Groceries
Cash Advance APR (Variable APR) Up to 27.24%
Purchase APR (Variable APR) 13.99% - 25.99%
Balance Transfer APR (Variable APR) 13.99% - 25.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%

Kroger 1-2-3 REWARDS® World Mastercard® Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-33%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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