Kroger 1-2-3 REWARDS® MasterCard® Reviews

Approval Odds

Sign up or log in to see your Approval Odds

3.5 out of 5 stars
6 Reviews

From Cardholders in the last year

Sign up or log in to see your Approval Odds


Application Process

3.5 out of 5 stars

Customer Service

3 out of 5 stars

3.5 5

1 star reviews (2) See All

These reviews were written by current and former cardholders in the last year.

Jul 19, 2018
Im so DONE with Mastercard- beware
Gabbybh Cardholder

Mastercard will NOT (At least this card) protect the customer.  I have spent HOURS and HOURS and months on disputing a charge.  I had all the proof I needed and then some and Kroger mastercard still sided with the merchant and now I have to convince them to refund me with a letter I received from the CC company..  The merchant  needs to have a 3 way call because of the dispute but Mastercard- Kroger told me "they do NOT do 3 way calls and they will not contact the merchant and good luck!"  Once this is settled I will NO LONGER EVER!! EVER!!! get another mastercard...

more ...
Apr 29, 2018
Poor benefits from store and US BANK
BrianTN Cardholder

This card was a waste of time and they did a hard credit check bringing my score down.  The rewards points are NOT fuel rewards.  US Bank ( terrible) they give you a $5 bonus check once you have 1000 points.  These are separate from your fuel points. I did not know this until after signing up for the card.  Also was supposed to get .25 off per gallon of fuel.  That never worked and Kroger said it was US BANK  and they told me it was Kroger's fault.  I highly advise anyone to research if this is really a beneficial card to get.  For me it was a waste of time and I closed the account 2 months after opening it.

more ...

Was this review helpful?

1 Reply
May 15, 2018

You need to link your 123 card with your regular Kroger plus card to get the extra fuel savings.

Add a Review

Add Your Review

I Own It I Had It I Applied

Please state your experience.

How would you rate this card overall?

Please select a rating

What should others know about this card?


How was application process?

How was customer service?

See Your Approval Odds Before You Apply

Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:

  • Credit scores and reports
  • Credit monitoring
  • Personalized recommendations

Kroger 1-2-3 REWARDS® MasterCard®