1-2-3 REWARDS MasterCard

  • Every 1,000 points = $5 in FREE groceries.

    1 point per $1 spent outside our stores –
    everywhere MasterCard® is accepted.

    2 points per $1 spent in our stores.**

    3 points per $1 spent on our own family of brands –
    that's thousands of products to choose from.

  • • Rewards every 1,000 points!

    • No annual fee

    • Unlimited rewards – for more of the FREE groceries you want.

    • Easy to redeem rewards – your earned Reward certificates are

    automatically sent to you every 3 months; just use them in our

    stores and save!

APPLY NOW online.

* For your first 12 billing cycles. Thereafter, a variable rate from 12.99%, 15.99%, 18.99%, or 21.99% (as of 8/21/08) will apply. We will determine your margin and APR based upon our review of your application and credit history. If approved, your margin and APR will be shown on the Pricing Addendum, which will be provided with your credit card and your agreement. Fees apply for each balance transfer – 3%, $10 minimum. Balance transfers do not receive Reward points.

The 1-2-3 REWARDS® MasterCard® is issued by RBS Citizens N.A., on behalf of Kroger Personal Finance®.

** Purchases made at Kroger Family of Stores Fuel Centers do not earn Reward points.

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