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.

• 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.

The Good	The Bad
Lower than average purchase APRs. No annual fee. 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.

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

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

Kroger 1-2-3 REWARDS® World Mastercard® provides the following benefits:

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%.

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

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