Kroger 1-2-3 REWARDS® World Mastercard®
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| Community Rating | Mostly recommended |
| Purchase APR (Variable APR) |
16.24% - 29.24% (Verified 08/17/2022) |
| Balance Transfer APR (Variable APR) | 13.99% - 25.99% |
| Credit Score Range | 640 - 850 |
| Annual Fee | $0 |
| Number of Reviews | 8 |
Kroger 1-2-3 REWARDS® World Mastercard® Review
This is a store rewards credit card issued by U.S. Bank. If you're wondering whether US Bank Rewards card is the right card for you, read on.
Key Takeaways
- Potential annual earning of 38,400 rewards points.
- Competitive APRs. Kroger 1-2-3 REWARDS® World Mastercard® has a variable purchase APR that ranges from 16.24% 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.
- 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 $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2.8% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 640.
Pros & Cons of US Bank Rewards card
| The Good | The Bad |
|---|---|
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US Bank Rewards card FAQ
Does US Bank Rewards card have a cash back or rewards program?
US Bank Rewards card is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
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?
It provides the following benefits:
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
What are the relevant APRs for US Bank Rewards card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.Kroger 1-2-3 REWARDS® World Mastercard® has a variable purchase APR that ranges from 16.24% up to 29.24%. The card has a variable balance transfer APR that ranges from 13.99% up to 25.99%. It also has a variable cash advance APR of 29.24% .
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?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 2.8% |
| Returned Payment Fee | $35 |
| Late Payment Fee | $39 |
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?
US Bank Rewards card 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 foreign transaction fees.What is the customer service phone number for US Bank Rewards card?
The US Bank Rewards card customer service number 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.
What is the US Bank Rewards card login page?
You can access the US Bank Rewards card login page here.
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.
How to apply for US Bank Rewards card
- Visit the US Bank Rewards card 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
800 Nicollet Mall
Minneapolis, MN 55402 USA - (800) 872-2657
- Visit Site
- Email Support
Other Services by U.S. Bank
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 4% |
| Foreign Currency Transaction Fee | 2.8% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $2 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 24 days |
| Returned Payment Fee | $35 |
| Late Fee Amount | $39 |
Kroger 1-2-3 REWARDS® World Mastercard® Community Reviews
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