1-2-3 REWARDS® MasterCard®
Earn Free Groceries!
It's So Easy!
point per $1 spent anywhere MasterCard® is accepted
points per $1 spent in the Kroger® family of stores (excluding fuel centers)
points per $1 spent on the Kroger family of quality brands
Every 1,000 points = $5 in free groceries!
Your 1-2-3 REWARDS® MasterCard® is your Shopper's Card, MasterCard, and rewards card all in one. Apply online to get your 1-2-3 REWARDS® MasterCard® today. You'll find it's:
- Rewarding—Free groceries for every 1,000 points!
- Easy—Automatic reward certificates sent every three months for earned rewards
- Valuable—Bonus fuel discount at participating Kroger family of stores
- Simple—No annual fee
- Smart—0% APR* introductory rate on balance transfers
- Safe—Zero fraud liability
- Accepted—Worldwide MasterCard acceptance for extra purchasing power
APPLY NOW
More Information
- 1-2-3 REWARDS® MasterCard® Product Details
- 1-2-3 REWARDS® MasterCard® FAQ
- 1-2-3 REWARDS® MasterCard® Rates and Terms
- Earning 1-2-3 REWARDS® Points
- Privacy Notice
* For your first 12 billing cycles. Thereafter, a variable rate from 11.24%, 14.24%, 17.24%, or 20.24% (as of 01/02/09) 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.
The 1-2-3 REWARDS® MasterCard® is issued by RBS Citizens, N.A. on behalf of Kroger Personal Finance®.




