Our Reloadable Prepaid Card^

Get rewarded just for shopping.

This is no ordinary prepaid card—it’s a prepaid card that rewards you just for shopping! Use your Reloadable Prepaid Debit Card everywhere debit cards are accepted per the network branding of your card. Plus, you can earn free groceries and fuel savings with 1-2-3 REWARDS®!* Register today and receive your card in the mail in about 10 business days.


Rewards & Benefits. Earn points for shopping to use towards free groceries.


Direct Deposit Access money faster and a $10 sign up bonus.**


Mobile App Know your balance 24/7, set goals, and save money.

Prepaid Card Rewards & Benefits

Why the 1-2-3 REWARDS® Prepaid Debit Card? We offer great rewards and benefits to our Reloadable Cardholders.

Earn Free Groceries*

Earn $5 for every 1000 points earned to use toward free groceries!
Learn More.

No Overdraft Fees

There are no overdraft fees and you can't spend more than your balance.

Direct Deposit

Sign up for direct deposit today by downloading our Direct Deposit Form.


There are multiple ways to add funds to your card. Learn More.

Fuel Savings

Save an extra 5 cents per gallon at our Fuel Centers when you pay with your 1-2-3 REWARDS® Prepaid Card.

Mobile App

Add and transfer funds directly from your phone. No bank required. Learn More.


Prepaid Card Fees

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 (Cash reload through third parties)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 (lost or stolen)$4.95
Expedited Card Replacement Service$15.05

Get a card today at a Kroger Family of Stores location.

Load between $10-$500 onto your Temporary Card and then register for your Permanent Reloadable Card that earns rewards. Use your Temporary Card until your Reloadable Card arrives in the mail!

Direct Deposit

Set up Direct Deposit and get a $10 Bonus.**

Access your money faster when you Direct Deposit your paychecks, tax refunds, government benefit checks, and other recurring checks. And get a $10 credit to your card after your first direct deposit.

Mobile App

Mobile Access to your funds with the 1-2-3 Rewards App.

Check your balance, set budgeting goals and save money with the newly updated 1-2-3 REWARDS® Prepaid App.

Get Rewarded for Your Everyday Spending.