Reloadable Prepaid Debit Card

Simple, Convenient and Rewarding

The prepaid Debit Card with 1-2-3 REWARDS® gives you the convenience and flexibility you need to get things done. With your Personalized Card you’ll enjoy smart benefits and features like these:

  • Manage Your Card Online: 24/7 access can help you stay on your budget.
  • No Overdraft Fees: You can’t spend more than your balance.
  • Sign Up for Text and Email Alerts*: Get your card balance conveniently.
  • Direct Deposit: Fast, easy and FREE. Enroll in direct deposit
  • Easily Reloadable: Several ways to add funds to your card.

Learn More about the Personalized Card Rewards and Benefits.


Get all the rewards and benefits of 1-2-3 REWARDS with simple pricing and no hidden fees!

Fee TypeFee Amount
Purchase Price In-Store (Initial Acquisition)$3.00
Purchase Price Online (Initial Acquisition)No Fee
Monthly Maintenance Fee$3.00
Swipe Reload (Cash Reload at Kroger Family Stores)$3.00
Third Party Reload (includes but not limited to Visa® ReadyLink and Mastercard® Repower)Varies by Retailer
ReCharge Card™$3.00
ATM Withdrawal$0 In-Network
$2.00 Out-of-Network
$2.50 International
ATM Balance Inquiry$0 In-Network
$1.00 Out-of-Network
Foreign Transaction Fee1% of transaction amount
Replacement Card$4.95
Emergency Card Replacement$15.05
Paper Statement (if requested)$1.00/month

For further information about how these fees are applied, please see the Cardholder Agreement or Fees and Limits schedule.

1-2-3 REWARDS® Prepaid Debit Cards

How It Works

reloadable prepaid debit card

Temporary Card***

  1. Purchase a temporary card at a register at any Kroger Family of Stores location.
  2. Load between $10 and $500 cash onto your card.
  3. Activate your card online and log in to check your balance.
  4. Convert to a personalized reloadable card to earn rewards. 


reloadable prepaid visa card

Personalized Card

  1. Get A Card.** There is no credit check! Just verify some personal information on your application. Terms & Conditions apply. See Cardholder Agreement. 
  2. Activate. After successful identity verification, your card will arrive in the mail and will be ready to use immediately after activation.
  3. Get Rewards.  Earn points towards free groceries and fuel savings. Earn points faster the more you use your card.


text and email alerts for prepaid debit card
Get Email or Text Alerts*

Sign up for text and email alerts with your Personalized Card. (For text alerts standard messaging and data rates may apply.)


1-2-3 rewards prepaid debit card app
1-2-3 REWARDS® Prepaid App^

Check your balance and manage your card anywhere, anytime.

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