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Be a Smart Money Manager

The Visa® Prepaid Debit Card with 1-2-3 REWARDS® gives you the convenience and flexibility you need to get things done. 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.
  • Pay Bills Online: Save time and avoid money orders, cash payments, and late fees.
  • Direct Deposit: Fast, easy and FREE.  
Earn free groceries with 1-2-3 REWARDS

The Visa Prepaid Debit Card with 1-2-3 REWARDS gives you unlimited rewards. Here's a sampling of how your points can add up quickly and easily in one month:

Step 1
1 point per $1 spent outside our stores = $300 to pay your bills
300 points earned
Step 2
2 points per $1 spent inside our stores = $250 to pay your groceries
500 points earned
Step 3
3 points per $1 spent on our own family of brands = $70 for our brand products
210 points earned
Watch your
points add up:
= $620 for the things you need
1,010 points
$5 in free groceries

Earn points faster the more you use your card!
Every 1,000 points you earn = $5 in free groceries.

Plus, save an extra 5¢ per gallon at our Fuel Centers when you use your Visa Prepaid Debit Card with 1-2-3 REWARDS*.

How to Redeem 1-2-3 REWARDS

1-2-3 REWARDS coupons are earned and delivered to you monthly. To use your coupons, scan the bar code on the back of your Personalized Card when making purchases in our stores. Coupons can only be redeemed at a participating Kroger Family of Stores location. Your cashier will remind you when you have coupons available.

Check My 1-2-3 REWARDS Balance

*Fuel Discounts: Effective for a limited time only at participating Kroger Family of Stores Fuel Center locations. Fuel discount requires minimum $100 spend in qualifying purchases at Kroger Family of Stores. Purchases made at Kroger Family of Stores Fuel Centers do not earn Rewards Points or Fuel Points. 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.

View Rates and Fees

Fees and restrictions may apply.

See Terms and Conditions for details.

Get Your Free Groceries

Getting access to your free grocery coupons is so easy! Your cashier will remind you when you have coupons available to use. You can also sign up for alerts to notify you when your coupons are earned and available.


Customer Service: 1-866-265-8419