Kroger 1-2-3 REWARDS® MasterCard® Reviews

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3.5 out of 5 stars
6 Reviews

From Cardholders in the last year

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Application Process

3.5 out of 5 stars

Customer Service

3 out of 5 stars

3.5 5

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

Sep 30, 2018
The extra fuel rewards are a great value
Shen04 Cardholder

If you frequently shop Smiths (Kroger) , this is a great card for you. The only bummer about the card is that it opens a new rewards account for you. I thought I could combine it with my existing rewards account/alt ID so I wasn’t getting the extra gas discount at first. As soon as I realized it was a new account I began using it, chose a new alt ID, and instantly got my extra gas rewards. 

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Sep 21, 2018
luvkdz2 Cardholder

The online application process was easy; I received my card pretty quickly after applying. I have used to make purchases in order to receive the rewards certificates, and I should recieve one in November (1st one). I've been using this card instead of my debit card in order to get the rewards and just make multiple payments a month to keep it paid down. I received a $400 incentive credit right within my first month. The credit plus rewards back is more than I get with my other cards, so I am satisfied. 

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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...

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Jun 12, 2018
Excellent card with no problems .
mike4816 Cardholder

They start you off with a moderate credit line, mid 4 figures for me.  I used the .25 discount without any problem and kind of miss it,  I had the visa card in the beginning and have now received the new mastercard which will give me a .05 discount on top of the regular .10 or more discount.

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May 07, 2018
WAY better than NetSpend
Lisa88Keyz Cardholder

I don't know what anyone could complain about this prepaid card!  All the others have a fee every time you use it.  This one you only pay to reload it or if you use an out-of-network ATM for cash back.  AND it has rewards points!  This card is AWESOME; I will never use NetSpend again.

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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.

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May 15, 2018

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

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Kroger 1-2-3 REWARDS® MasterCard®