Product Details

Card Benefits
1-2-3 REWARDS® Points
Online Card Management
Extra Security Online
PaymentCareSM

Get These Great Card Benefits!

You're spending money anyway. Now spend it wisely with the 1-2-3 REWARDS® MasterCard®. You'll get:

1-2-3 REWARDS® points on all of your purchases both at the Kroger® family of stores and everywhere else you make purchases with your card
Built-in discounts as your 1-2-3 REWARDS® MasterCard® has your shopper's card discounts built right in
2.99% Introductory APR* on balance transfers for 9 months
No annual fee
Save an additional 5¢ per gallon on qualifying fill-ups when you use your 1-2-3 REWARDS MasterCard at participating Kroger family of stores fuel centers**.
Online card management with 1-2-3 ONLINE®, a free online service to manage your account at your convenience from any location
Extra security online through 1-2-3 SECURE® adds an extra layer of security to help you feel secure while shopping online
Optional PaymentCare to save you from late fees and protect your credit standing when you need flexibility most
Instant access to cash at millions of ATMs and bank counters worldwide
A free additional cardholder on your account—earn 1-2-3 REWARDS points on their purchases, too

1-2-3 REWARDS Points

Earn free groceries fast with:

1 point per $1 spent anywhere MasterCard® is accepted
2 points per $1 spent in the Kroger family of stores (excluding fuel centers)
3 points per $1 spent on the Kroger family of brands

Every 1,000 points = $5 in free groceries!

That's double rewards in our stores with 2 points for every $1 spent. You'll also get three times more rewards than with other cards, with 3 points for every $1 spent on our Kroger family of brands. Learn more about 1-2-3 REWARDS points.

Online Card Management with 1-2-3 ONLINE

Log in to your account from anywhere you choose to view transactions, pay bills, and more with 1-2-3 ONLINE. This free service is another way Kroger Personal Finance offers you flexibility and convenience. Learn more about 1-2-3 ONLINE.

Extra Security Online with 1-2-3 SECURE

1-2-3 SECURE helps prevent fraud on your account. Using MasterCard SecureCode™, online purchases at participating merchants are confirmed using a SecureCode password chosen by and known only to you, the cardholder. Learn more about 1-2-3 SECURE.

PaymentCare

PaymentCare is an optional program that allows you to cancel the minimum payment owed on your account for up to 24 months based on life events such as involuntary unemployment, family leave of absence, hospitalization, military duty, and more. Learn more about PaymentCare.

APPLY NOW Get Started Today!

More Information

* For your first 9 billing cycles. Thereafter, a variable rate from 12.99%, 15.99%, 18.99%, or 21.99% (as of 11/20/09) will apply. We will determine your margin and APR based upon our review of your application and your credit history. If approved, your margin and APR will be shown on the Pricing Addendum which will be provided with your credit card and your Agreement. Fees apply for each balance transfer—3%, $10 minimum. Balance transfers do not receive Reward points.

** Fuel discount effective for a limited time only at participating Kroger Family of Stores Fuel Center locations. Fuel discount requires minimum spend in qualifying purchases at Kroger Family of Stores. Purchases made at Kroger Family of Stores Fuel Centers do not earn Rewards points. See store receipt for details. Offer not valid with any other discount offers. Please see store for fuel discount details and in-store spending requirements. Discounts and spending requirements vary by location. Not valid in AL, LA, MO or where prohibited by law.

The 1-2-3 REWARDS® MasterCard® is issued by RBS Citizens, N.A. on behalf of Kroger Personal Finance®.