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1-2-3 REWARDS® Visa® Card

Earn Double Points
With the 1-2-3 REWARDS^® Visa^® Card you can earn double points on net purchases for everyday shopping at Kroger Family of Stores.

Special Intro APR
0% Intro APR³ for 9 billing cycles for purchases and balance transfers. After that, a variable rate, currently 13.99%, 18.99% or 23.99%, applies³.

REWARDS Calculator
You can earn unlimited rewards with the 1-2-3 REWARDS^® Visa^® Card. Watch how quickly your points add up.

*Offer applies to new cardholders only. Discount is available at Kroger Family of Stores Fuel Centers when you redeem at least 100 existing fuel points earned in a single month. You must scan, redeem points and pay with your 1-2-3 REWARDS^® Visa^® Card in order to receive this fuel discount. Additional 25¢ discount offer expires three months from the cardholder’s approval date. Upon expiration, cardholder will receive additional 5¢ fuel discount at Kroger Family of Stores Fuel Centers, when they scan, redeem points and pay with their 1-2-3 REWARDS^® Visa^® Card. Not valid with any other fuel offer. Accumulation excludes taxes, office services, alcohol, tobacco, fuel, prescriptions and any purchases prohibited by law. Fuel discount effective for a limited time at participating fuel center locations. Not valid in AL, LA, MO or where prohibited by law. Purchases made at Kroger Family of Stores Fuel Centers do not earn 1-2-3 REWARDS^® Visa^® Card points. Please see store for fuel discount details and in-store spending requirements.

2- Earn points on net spend towards free groceries excluding purchases made at Kroger Family of Stores Fuel Centers. Rewards Certificates cannot be redeemed at Fuel Centers. Subject to availability. Please see store for in-store spending requirements and program details.

3 - The 0% introductory APR applies to purchases and the rate is valid for the first nine billing cycles. The 0% introductory APR applies to Balance Transfers made within 30 days of account opening and is valid for the first nine billing cycles. The 0% introductory APR does not apply to Cash Advances and other Advances as defined in the Cardmember Agreement. Thereafter the APR may vary and as of June 2012, the undiscounted variable APR for Purchases and Balance Transfers is 13.99%, 18.99% or 23.99% (based on your creditworthiness). The variable APR for Cash Advances is 25.24%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience check fee: 4% of each check amount, $10 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee: 4% of each transfer amount, $10 minimum. There is a $2 minimum finance charge where interest is due. The annual fee is $0. Foreign Transaction fee: 2.8% of each foreign purchase transaction or foreign ATM advance transaction. We apply your minimum payment to balances with lower APRs first. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association ND and its affiliates as provided under the Cardmember Agreement and applicable law.

The creditor and issuer of the 1-2-3 REWARDS^® Visa^® Card is U.S. Bank National Association ND, pursuant to a license from Visa U.S.A. Inc. and the card is available to United States residents only.