Features

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 Interest Rates for US Bank's 1-2-3 Rewards Visa Card?

Interest rates on purchases and balance transfers range from 14.24% to 24.24% depending on how customers meet Union Bank's credit criteria. New customers receive a 0% intro APR 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 interest rates and gas savings during the first three months.

  • Card Type
    Balance Transfer Rewards
  • Customer Type
    Personal
  • Card Network
    Visa
  • Minimum Age
    18
  • Co-signing Allowed
  • Grace Period / Deferred Interest
    24
  • Late Payment Penalty
    $37
  • Minimum Interest Charge
    $2
  • Returned Payment Fee
    $35
  • Foreign Currency Transaction Fee
    2.8%
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    14.24% - 24.24%
  • Transfer Fee
    4% w/$10 min.
  • Balance Transfer APR
    14.24% - 24.24%
js-table-filter bizname-us-bank-flexperks-select-rewards-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
13.99
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-116

Est. 1929

  • Points
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.99%
Balance Transfer APR 13.99%
058
js-table-filter bizname-us-bank--fred-meyer-rewards-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter groceries-141
js-table-filter points-137
14.24
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Gas
  • Groceries
  • Points
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
Intro APR period (months) 9
030
js-table-filter bizname-us-bank--ralphs-rewards-plus-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
14.24
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Points
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
006
js-table-filter bizname-us-bank--harleydavidson-signature-visa
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter points-137
14.24
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Gas
  • Points
  • Restaurants
  • Travel
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
006
js-table-filter bizname-us-bank--rei-visa-credit-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
10.99
0
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.99%
Balance Transfer APR 10.99% - 22.99% var. APR%
000
js-table-filter bizname-us-bank--gymboree-visa
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
14.24
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Cashback
  • Every Purchase
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
006
js-table-filter bizname-us-bank--cache-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
11.24
0
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Points
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.24%
Balance Transfer APR 11.24% - 23.24% var. APR%
000
js-table-filter bizname-us-bank--aeromexico-visa-secured-card
js-table-filter air-miles-136
js-table-filter airlines-140
25
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
js-table-filter gas-139
js-table-filter groceries-141
23.24
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-113
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
  • Gas
  • Groceries
  • No Annual Fee First Year
Annual Fee $25
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Purchases APR 23.24%
Balance Transfer APR 23.24%
006
js-table-filter bizname-us-bank--lanpass-visa-secured-card
js-table-filter air-miles-136
js-table-filter airlines-140
45
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
13.24
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-132
js-table-filter credit-required-113

Est. 1929

  • Air Miles
  • Airlines
  • No Annual Fee First Year
Annual Fee $45
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Purchases APR 13.24%
Balance Transfer APR 13.24%
006
js-table-filter bizname-us-bank--lifemiles-visa-secured-card
js-table-filter air-miles-136
25
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
16.24
0
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-132
js-table-filter credit-required-113
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Air Miles
  • No Annual Fee First Year
Annual Fee $25
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Purchases APR 16.24%
Balance Transfer APR 16.24% var. APR%
000
js-table-filter bizname-us-bank-flexperks-travel-rewards-visa-signature-card
js-table-filter airlines-140
49
js-table-filter ccard-type-223
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter groceries-141
js-table-filter points-137
14.24
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Airlines
  • Gas
  • Groceries
  • Points
  • Restaurants
  • Travel
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Annual Fee $49
Card Type Travel
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
006
js-table-filter bizname-us-bank--aeromexico-visa-card
js-table-filter air-miles-136
js-table-filter airlines-140
45
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter groceries-141
13.24
js-table-filter travel-143
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
  • Gas
  • Groceries
  • Travel
  • No Annual Fee First Year
Annual Fee $45
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
006
js-table-filter bizname-us-bank--skyblue-skypass-visa-credit-card
js-table-filter air-miles-136
js-table-filter airlines-140
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
13.24
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
006
js-table-filter bizname-us-bank--aeromexico-visa-signature
js-table-filter air-miles-136
js-table-filter airlines-140
80
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter groceries-141
13.24
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
  • Gas
  • Groceries
  • No Annual Fee First Year
Annual Fee $80
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
006
js-table-filter bizname-us-bank--skypass-visa-secured-card
js-table-filter air-miles-136
js-table-filter airlines-140
50
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
16.49
js-table-filter card-type-12
js-table-filter credit-required-132
js-table-filter credit-required-113
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
Annual Fee $50
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Purchases APR 16.49%
Balance Transfer APR 16.49%
006
js-table-filter bizname-us-bank--lanpass-visa-signature
js-table-filter air-miles-136
js-table-filter airlines-140
75
js-table-filter ccard-type-137
js-table-filter ccard-type-136
13.24
js-table-filter restaurants-142
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
  • Restaurants
  • No Annual Fee First Year
Annual Fee $75
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
006
js-table-filter bizname-us-bank--lifemiles-visa-signature-card
js-table-filter air-miles-136
js-table-filter airlines-140
75
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.99
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
  • No Annual Fee First Year
Annual Fee $75
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99%
006
js-table-filter bizname-us-bank--lifemiles-visa-card
js-table-filter air-miles-136
js-table-filter airlines-140
45
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.99
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Air Miles
  • Airlines
  • No Annual Fee First Year
Annual Fee $45
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99%
006
js-table-filter bizname-us-bank--lanpass-visa-card
js-table-filter air-miles-136
js-table-filter airlines-140
45
js-table-filter ccard-type-137
js-table-filter ccard-type-136
13.24
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115

Est. 1929

  • Air Miles
  • Airlines
  • No Annual Fee First Year
Annual Fee $45
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
006
js-table-filter bizname-us-bank-flexperks-travel-rewards-visa-signature
js-table-filter airlines-140
49
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter groceries-141
js-table-filter points-137
14.24
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Airlines
  • Gas
  • Groceries
  • Points
  • No Annual Fee First Year
Annual Fee $49
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
006
js-table-filter bizname-us-bank-visa-platinum
0
js-table-filter ccard-type-139
js-table-filter ccard-type-137
js-table-filter ccard-type-136
10.24
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • No Annual Fee
  • 0% Introductory APR
Card Type Low APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.24%
Balance Transfer APR 10.24%
Intro APR period (months) 12
006
js-table-filter bizname-korean-air-skypass-visa-signature-card
js-table-filter air-miles-136
js-table-filter airlines-140
80
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
13.24
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1984

  • Air Miles
  • Airlines
  • Every Purchase
  • Restaurants
  • Travel
  • No Foreign Transaction Fee
Annual Fee $80
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
006
js-table-filter bizname-korean-air-skypass-visa-classic-card
js-table-filter air-miles-136
js-table-filter airlines-140
50
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
13.24
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1984

  • Air Miles
  • Airlines
  • Every Purchase
Annual Fee $50
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
006
js-table-filter bizname-us-bank-secured-visa
29
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
19.24
js-table-filter card-type-12
js-table-filter credit-required-132
js-table-filter credit-required-113

Est. 1929

Annual Fee $29
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Purchases APR 19.24%
Balance Transfer APR 19.24%
006
js-table-filter bizname-us-bank-cash
js-table-filter airlines-140
0
js-table-filter ccard-type-222
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
13.24
js-table-filter restaurants-142
js-table-filter travel-143
0
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Airlines
  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • Restaurants
  • Travel
  • No Annual Fee
Card Type Cash Back
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
Intro APR period (months) 12
006
js-table-filter bizname-webster-bank-visa-platinum-card
js-table-filter air-miles-136
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
js-table-filter points-137
10.24
js-table-filter travel-143
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-116

Est. 1935

  • Air Miles
  • Cashback
  • Every Purchase
  • Points
  • Travel
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.24%
Balance Transfer APR 10.24%
Intro APR period (months) 12
006
js-table-filter bizname-club-carlson-premier-rewards-visa-signature-card
75
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
14.24
js-table-filter travel-143
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Every Purchase
  • Points
  • Travel
Annual Fee $75
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
006
js-table-filter bizname-us-bank-123-rewards-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter groceries-141
js-table-filter points-137
14.24
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Groceries
  • Points
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 14.24%
Balance Transfer APR 14.24%
014
js-table-filter bizname-us-bank--harleydavidson-visa-secured-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
js-table-filter gas-139
js-table-filter points-137
23.24
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-132
js-table-filter credit-required-113
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1929

  • Gas
  • Points
  • Restaurants
  • Travel
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Purchases APR 23.24%
Balance Transfer APR 23.24%
024
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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 work at Office Depot on occassion. Not sure why but every now and then I have to whip out my ... debit card and later expense and item. But having exactly the same number on every card is foolish. Why bother putting names on the card. More Less


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