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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

This product is mostly not recommended by SuperMoney users with a score of -33, equating to 2.3 on a 5 point rating scale.

-33

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
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

This is a store rewards credit card issued by US Bank. If you're wondering whether US Bank Rewards card is the right card for you, read on. This review will provide you with with all the details you need 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 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 oods if your credit score is above640.
Pros & Cons of US Bank Rewards card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Extended warranty on purchases.
  • Travel accident insurance.
  • 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.
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
US Bank Rewards card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit 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. It has lower than average regular APRs.

It 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 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
US Bank Rewards card Fees
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.

How do people rate the customer service and user experience of US Bank Rewards card?

Overall, US Bank Rewards card is mostly not 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.

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.

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
Credit Card Benefits
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
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%
Card Type
  • Balance Transfer
  • Rewards
  • Store Card
Card Network Visa

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

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -33, equating to 2.3 on a 5 point rating scale.

-33

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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