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. Direct Deposit Form

Learn More about the Personalized Card Rewards and Benefits.

1-2-3 REWARDS® Prepaid Debit Cards

How It Works

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. 


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.


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 App^

Check your balance and manage your card anywhere, anytime.

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