Who is the US Bank's 1-2-3 Rewards Visa Card Designed For?

The US Bank 1-2-3 Rewards Visa Card is designed for people with fair to good credit who shop regularly at Kroger and would like to earn cash back on their purchases. The card also provides a 9-month 0% APR intro rate, which makes it a good option for people who carry a credit card balance or who are planning to make some large purchases and want to avoid paying interest.

What are the Rates for US Bank's 1-2-3 Rewards Visa Card?

Rates on purchases and balance transfers range from 14.24% APR to 24.24% APR depending on how customers meet Union Bank's credit criteria. New customers receive a 0% APR intro on purchases and balances for the first 12 months. There is no penalty rate but cash advances come with a hefty 25.24% APR.

What Are the Fees for US Bank's 1-2-3 Rewards Visa Card?

The Maximum Rewards Visa has no annual fee and no over limit fee, which is good for a card with a rewards program that is so forgiving when it comes to eligibility requirements. It does have an introductory 3% ($5 minimum) balance transfer fee on the initial balance transfers and a 4% balance transfer fee once the intro rate expires. Cardholders also pay a 4% fee on cash advances ($10 minimum cash advance fee), a 2.8% foreign transaction fee, a $37 fee on late payments and a $35 on returned payments.

What Is US Bank 1-2-3 Rewards Visa Card Rewards Program Like?

1-2-3 Rewards Visa Card gives members 3 points for every $1 spent on Kroger brands and 2 points for every $1 spent at Kroger's family of stores with the exclusion of Kroger fuel stations. All other purchases receive one point for every $1. Rewards can only be redeemed for cash back, which is sent automatically every quarter. Every 1,000 points is worth $5, so a family that spends $100 a week at Kroger, can easily earn over a $100 a year.

What about US Bank 1-2-3 Rewards Visa Card Signup Bonus?

New cardholders receive a 25 cent saving on every gallon they buy at Kroger gas stations during the first three months when they redeem 100 fuel Rewards points.

Does US Bank 1-2-3 Rewards Visa Card Have Any Other Benefits?

US Bank's 1-2-3 Rewards Visa gives cardholders complimentary access to a selection of useful travel and shopping perks, such as auto rental insurance, travel accident insurance, fraud protection, automatic payment of bills and zero fraud liability.

How Is US Bank 1-2-3 Rewards Visa Card Better Than Other Credit Cards?

The 1-2-3 Rewards Visa card from US Bank combines three cards in one: it is a traditional rewards card, a shopper's loyalty card and a Visa card. All without charging an annual fee and still including valuable travel benefits, a 0% APR intro rate, reasonable rates and gas savings during the first three months.

  • Credit Score Range
    640 - 850
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Customer Type
  • Grace Period / Deferred Interest
  • Late Payment Penalty
  • Minimum Interest Charge
  • Returned Payment Fee
  • Foreign Currency Transaction Fee
  • No Annual Fee
  • Card Type
    • Balance Transfer
    • Rewards
  • Card Network
  • Car Rental Insurance
  • Extended Warranty
  • Fraud Liability
  • Travel Insurance
  • Points
  • Rewards Categories
  • Purchases APR (variable)
    14.24% - 24.24%
  • Transfer Fee
    4% w/$10 min.
  • Balance Transfer APR (variable)
    14.24% - 24.24%
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