Kroger 1-2-3 REWARDS® World Mastercard® is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 05/14/2026
Not Currently Available
Kroger 1-2-3 REWARDS® World Mastercard®
Claimed
from U.S. Bank
Last Updated: 05/14/2026
SuperMoney User Recommendation Score 0
Mostly recommended8 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
18.24% - 29.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
18.24% - 29.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
670 - 850
Annual Fee
$0
Number of Reviews
Kroger 1-2-3 REWARDS® World Mastercard® Review
Kroger 1-2-3 REWARDS® World Mastercard® is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a store rewards card issued by U.S. Bank. If you're wondering whether Kroger 1-2-3 REWARDS® World Mastercard® is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.24% up to 29.24%.
- 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.
- A 4% balance transfer fee. Kroger 1-2-3 REWARDS® World Mastercard® charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $10.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of US Bank Rewards card
| The Good | The Bad |
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US Bank Rewards card FAQ
Does US Bank Rewards card have a cash back or rewards program?
US Bank Rewards card is a rewards card. This card features rewards for purchases in the following categories:
- Groceries
| Description |
Does US Bank Rewards card have a signup bonus?
This card doesn't offer a cash signup bonus.Does US Bank Rewards card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the US Bank Rewards card benefits?
Kroger 1-2-3 REWARDS® World Mastercard® provides the following benefits:
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for US Bank Rewards card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Kroger 1-2-3 REWARDS® World Mastercard® has a variable purchase APR that ranges from 18.24% up to 29.24%. The card has a variable balance transfer APR that ranges from 18.24% up to 29.24%. It also has a variable cash advance APR of 31.24% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does US Bank Rewards card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does US Bank Rewards card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for US Bank Rewards card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does US Bank Rewards card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for US Bank Rewards card?
The customer service number for US Bank Rewards card is (800) 872-2657.
What is the support contact email for US Bank Rewards card?
The support contact email for US Bank Rewards card is customer.support@usbank.com.
How do people rate the customer service and user experience of US Bank Rewards card?
Overall, US Bank Rewards card is mostly recommended based on community reviews that rate customer service and user experience.
Does Kroger 1-2-3 REWARDS® World Mastercard® report your account activity to credit bureaus?
Yes, Kroger 1-2-3 REWARDS® World Mastercard® reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does U.S. Bank perform a hard credit pull?
Yes, US Bank Rewards card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for US Bank Rewards card
- Visit the website of US Bank Rewards card.
- 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 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:30PM
Tuesday
8:30AM - 5:30PM
Wednesday
8:30AM - 5:30PM
Thursday
8:30AM - 5:30PM
Friday
8:30AM - 5:30PM
Saturday
Closed
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Other Credit Cards from U.S. Bank
Purchase APR
16.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
15.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
15.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
700 - 850
300
850
Annual Fee
$50
Rating not yet determined
Purchase APR
15.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
15.99% - 22.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$75
Rating not yet determined
Purchase APR
16.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
14.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$85
Rating not yet determined
Purchase APR
16.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$450
Rating not yet determined
Purchase APR
14.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
14.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$80
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
720 - 850
300
850
Annual Fee
$0 - $95
Rating not yet determined
Purchase APR
17.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
17.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
Starting at 720
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of 0, or 3 on a 5-point rating scale.
0
-1000+100
No one recommends
Everyone recommends
Kroger 1-2-3 REWARDS® World Mastercard® Community Reviews
Would you recommend Kroger 1-2-3 REWARDS® World Mastercard® to your friends?
DL
Dakota L.
Feb 20, 2022
May or may not recommend
It really is as simple as advertised— gain grocery and gas discounts for shopping at Kroger’s. Ensure processing power among the most efficient and ever changing purchasing cards on the market. I find the rewards on products so inelastic such as groceries and gas is a major plus, especially in times such as ours in the ‘ol Midwest, regards.
Jennifer E.
Nov 16, 2021
May or may not recommend
You can buy food at Kroger and get Gas discount $
AR
Anwar R.
Apr 17, 2020
May or may not recommend
It gives a low limit that effects your score and the authorized users scores basically it gives you a bad name . not worth it get Sam's club .
RB
Ronald B.
Nov 1, 2019
May or may not recommend
Worst credit card ever. They allowed a fraudster to order a new card, change my address, change my phone #, then when I found out and told them, they still mailed new credit cards to the fraudster, they did resolve the fraud and refund my money, but they are very inept at handling card servicing. I cancelled the card and mailed in a final payment I double checked that the ...Show More
Me M.
Oct 26, 2019
May or may not recommend
I love my card and my rewards. I implore everyone to get one especially if you shop at a Kroger store.
Martina F.
Sep 23, 2019
May or may not recommend
I have had the card for about a year and have never been late with a payment. When I signed up up there were no terms to along with the card and now they have raised the interest rate up. I called to inquire and they told me I should have read this in my agreement. There was never any agreement and the lady that signed me up did not ...Show More
BP
Bonnie P.
Jul 10, 2018
May or may not recommend
great to get groceries and then get discounts on gas too
U
Anonymous
Feb 12, 2016
May or may not recommend
The rrewards are okay. They take like 7-10 days to replace a card. If you ask for a new card all of your card go inactive on the account. So all monthly accounts have to updated for payments since its unlikely the 7-10 wait will fall on exactly the right dates should you need to request a new card this could create lots of work updating your accounts. Also doesn't ...Show More
Showing 8 of 8 reviews
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