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Frequently Asked Questions

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Getting Your 1-2-3 REWARDS® MasterCard®

How do I apply for a 1-2-3 REWARDS® MasterCard®?

To apply online, click here, or call the 1-2-3 REWARDS® MasterCard® application hotline at 800-576-4376.

How long will it take to process my application?

In most cases, it takes 7 to 10 days. However, it may take up to 30 days to process your application.

What do I receive when my account is approved and opened?

In two separate mailings, you will receive:

  • Your 1-2-3 REWARDS® MasterCard® with your Credit Card Agreement and Pricing Addendum
  • Your 1-2-3 REWARDS® MasterCard® Welcome Pack

Do I have to activate my card?

Yes, your account becomes active once you call 888-313-5464 from the phone number that you provided on your application to confirm receipt. You will not be able to use your new card(s) until you make this call and confirm receipt of your card(s).

Can I have a second cardholder on my account?

You can have additional authorized users (not joint account holders) with cards on your account. Your additional authorized users will share your credit limit, and you'll be responsible for all of their transactions. We'll only take instructions from you, the principal cardholder, but we can give out information to the other cardholders on your account. Please keep in mind that you will need to call to activate your additional cardholders' cards.

I haven't received my card yet; whom should I contact?

If you haven't received your 1-2-3 REWARDS® MasterCard® within 30 days of being approved, please call us at 888-954-6767.

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Using Your 1-2-3 REWARDS® MasterCard®

Can I transfer my balance from more than one of my existing cards?

Yes, you can transfer balances from other credit and store cards, up to your credit limit, and as long as each balance transfer request is for more than $100. Fees apply.

Does transferring a balance automatically close my other account?

No, you must contact the other card company in writing.

Can I use my 1-2-3 REWARDS® MasterCard® to pay monthly bills automatically?

Yes, monthly bills (such as membership dues, utilities, cell phone service, Internet service, cable TV, and subscriptions) can be paid automatically with your 1-2-3 REWARDS® MasterCard®. Just call your providers directly to set up these automatic payments, and to find out details about making payments with a credit card.

Save yourself the hassle of mailing multiple checks and keeping track of all of those due dates, and you'll earn reward points because those payments count as purchases! These automatic payments are a great way to make your reward points add up fast—and you'll only have to make one payment each month to your 1-2-3 REWARDS® MasterCard® account.

How do I get cash with a 1-2-3 REWARDS® MasterCard®?

You need a Personal Identification Number, or PIN. To request a PIN for an existing account, call Customer Service at 888-257-6437.

You can obtain a cash advance at any ATM that accepts MasterCard®—just like you would use a regular ATM card. Also, some banks that accept MasterCard will give you a cash advance at the teller window.

Cash advances are calculated at the APR disclosed in your Credit Card Agreement from the transaction date (there is no grace period on interest and you will pay a cash advance fee and finance charge). Cash advances do not earn 1-2-3 REWARDS points and cannot exceed the cash limit as shown on page one of your statements.

What if I forget my PIN?

If you do not remember your PIN, you should call Customer Service to request a new, randomly selected PIN. For security purposes, Customer Service does not issue the PIN to you over the phone. You should receive your new PIN within 7 to 10 business days of your request.

How can I make a name change on my account?

If you would like to make a name change on your account, please mail us a signed letter (printed or typed) to Customer Service that includes your account number, old name, new name, signature, and the reason for the change. For name changes, the cardholder must provide legal documentation, such as a marriage license or a divorce decree. Send your request and documentation to:

1-2-3 REWARDS MasterCard Customer Service
c/o Kroger Personal Finance
P.O. Box 18211
Bridgeport, CT 06601-3211

How do I make a phone number or address change?

Simply call Customer Service at 888-257-6437.

Can I use my card on the Internet and is it safe?

Yes, you can use your card on any site that accepts MasterCard. Your details should be safe as long as you're using a secure website. Please check with your vendor (i.e., Internet service provider, website administrator) regarding the security measures of their website.

What should I do if I have a problem with a purchase, such as a damaged product or non-delivery?

In order for you to preserve your rights, we must receive a written notification from you within 60 days after we mailed you the first statement containing your purchase transaction. The notice must include your name, address, account number, description of the problem with your purchase, and copies of documents supporting your claim. Please mail your notice to us at:

1-2-3 REWARDS MasterCard Customer Service
c/o Kroger Personal Finance
P.O. Box 18211
Bridgeport, CT 06601-3211

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1-2-3 REWARDS Points

How do I earn 1-2-3 REWARDS points?

Here's how you earn 1-2-3 REWARDS points*:

  • One point per $1 spent anywhere MasterCard is accepted
  • Two points per $1 spent in the Kroger® family of stores (excluding fuel centers)
  • Three points per $1 spent on the Kroger family of quality brands

(Please note there is a slight delay in Kroger family of brands points posting to your account.)

* Fuel center purchases and other restrictions apply. Please refer to the Credit Card Agreement that you receive with your 1-2-3 REWARDS® MasterCard® for details.

Are there any Kroger family of brands products on which I can earn only two 1-2-3 REWARDS points per $1 spent?

These products earn 2 points:

  • Corporate brands of beer, wine, and liquor
  • Corporate brands of cigarettes and tobacco
  • Pharmacy store brands
  • Kroger family of stores and banner brands gift cards
  • Random-weight corporate brands products, such as deli meat and cheese
  • Office services including stamps, tickets, etc.
  • Other products and/or services as prohibited by law and/or at 1-2-3 REWARDS discretion

What are 1-2-3 REWARDS points worth?

For every 1,000 points you earn, you'll receive a $5 1-2-3 REWARDS certificate. Any 1-2-3 REWARDS certificates earned are mailed each quarter. Please refer to the Credit Card Agreement that you received with your 1-2-3 REWARDS® MasterCard® for details.

How often will I receive a 1-2-3 REWARDS mailing?

1-2-3 REWARDS certificates are issued four times a year and mailed to customers in February, May, August, and November. You will receive a 1-2-3 REWARDS certificate for every 1,000 points earned. Remaining points, less than 1,000, will roll over into the next cycle.

Where can I use my 1-2-3 REWARDS certificates?

You can redeem your 1-2-3 REWARDS certificates at any of the Kroger family of stores.

How long do I have to redeem my 1-2-3 REWARDS certificates?

Your 1-2-3 REWARDS certificates must be redeemed within one year of the date on the certificates.

Can I redeem my 1-2-3 REWARDS certificates for cash?

1-2-3 REWARDS certificates have no cash value and may only be used to purchase selected merchandise at the Kroger family of stores. Purchases must exceed the value of your 1-2-3 REWARDS certificates, as we cannot give you cash back.

Are my 1-2-3 REWARDS points affected when I return merchandise?

Because you earn 1-2-3 REWARDS points for purchases, the points you earned for a purchase you return will be subtracted from your point total.

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1-2-3 ONLINE: Online Card Management

What is 1-2-3 ONLINE?

1-2-3 ONLINE is a free service that gives you the convenience and flexibility to manage your 1-2-3 REWARDS® MasterCard® account online. You can log on from any computer, anywhere in the world and pay your bill, view transactions, view your account information, and download transactions.

How up-to-date is my account information online?

Your current balance and available credit are updated on the next business day.

How secure is 1-2-3 ONLINE?

It's a totally secure website and only you have access to your account information. Create your own password and username, and keep them private. Also make sure you log off immediately after every use.

Can I use 1-2-3 ONLINE when I'm traveling?

Yes, you can access the service from any Internet connection.

Can I still receive my statements by mail?

Yes. 1-2-3 ONLINE is simply a feature designed to make using your 1-2-3 REWARDS® MasterCard® even more convenient.

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Loss, Fraud, and Misuse

We strongly advise that you never write down or tell anyone your 1-2-3 REWARDS® MasterCard® PIN number.

What should I do if my 1-2-3 REWARDS® MasterCard® is lost or stolen?

If your card is lost or stolen, or if you suspect that someone has obtained access to your account, immediately call 1-2-3 REWARDS® MasterCard® Security anytime at 888-354-5464.

Customer Service will cancel the account, issue a new card, and establish a new account number immediately. You are not responsible for any transaction resulting from a lost or stolen card once you have notified us. Your 1-2-3 REWARDS® MasterCard® point balance will be transferred onto your new card.

If a payment appears on my statement that I did not authorize or I'm unsure about something on my statement—what should I do?

If you don't recognize a transaction on your statement, let us know immediately. If you have eliminated all possibilities, such as a telephone or mail-order transaction, or perhaps one made by your additional cardholder, we will investigate and get back to you as soon as possible. Call us immediately at 888-354-5464.

In order for you to preserve your rights, we must receive written notification of the dispute from you within 60 days after we mailed you the first statement containing your purchase transaction. The notice must include your name, address, account number, description of the problem with your purchase, and copies of documents supporting your claim. Please mail your notice to us at:

1-2-3 REWARDS MasterCard Customer Service
c/o Kroger Personal Finance
P.O. Box 18211
Bridgeport, CT 06601-3211

What happens if my 1-2-3 REWARDS® MasterCard® is lost or stolen when I'm on vacation/holiday?

Call us at 888-354-5464. If you are abroad, you can also report the loss to MasterCard directly, or to any bank displaying the MasterCard logo, and confirm the loss to us immediately upon your return.

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1-2-3 SECURE: Extra Security Online

What is 1-2-3 SECURE?

The 1-2-3 SECURE feature of your card provides online security to help prevent fraud on your account. It has been developed in conjunction with MasterCard SecureCode™ to reduce fraudulent online purchases. For a list of participating merchants, visit www.mastercard.com.

How does 1-2-3 SECURE work?

1-2-3 SECURE is an extra layer of security that verifies that the actual cardholder is making an online purchase at participating merchants. It does this by confirming a SecureCode password chosen by and known only to the cardholder.

What does 1-2-3 SECURE cost?

1-2-3 SECURE is free to all 1-2-3 REWARDS® MasterCard® account holders.

How do I enroll for 1-2-3 SECURE?

You can click here or follow the prompts that appear when you make your first three purchases using your 1-2-3 REWARDS® MasterCard® at participating merchants.

You will be asked to select your personal SecureCode when you enroll. When you make your online purchase, we send a pop-up message to your computer, prompting you to enter your SecureCode. 1-2-3 SECURE then confirms your SecureCode and your transaction is complete.

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PaymentCare

Why should I enroll in PaymentCare?

Life has its ups and downs. When you can't make your 1-2-3 REWARDS® MasterCard® payment, PaymentCare will! This will save you from late fees and protect your credit standing.

What does PaymentCare cover?

By enrolling in the optional PaymentCare program, you will receive the following benefits:

  • Life Events

    PaymentCare cancels the minimum payment owed on your account for one month if you get married, adopt a child, retire from your principal employment, graduate from an accredited four-year college or university, or move to a new primary residence.

  • Involuntary Unemployment

    PaymentCare cancels the minimum payment owed on your account for a maximum of 12 months if you become involuntarily unemployed (layoff, employer termination, generalized strike, unionized labor dispute, or lockout) for at least 30 consecutive days.

  • Family Leave of Absence

    PaymentCare cancels the minimum payment owed on your account for a maximum of three months if you take an unpaid leave from full-time employment for at least 30 consecutive days due to caring for an immediate family member with a serious medical condition, caring for a newborn or adopted child, active military duty due to mandatory recall or call to active duty, jury duty, or residing in a federally declared disaster area.

  • Hospitalization

    PaymentCare cancels the minimum payment owed on your account for a maximum of 12 months if you become hospitalized for three consecutive nights in a calendar month.

  • Military Duty

    PaymentCare cancels the minimum payment owed on your account for a maximum of 12 months if you receive a mandatory recall to active military duty for at least 30 consecutive days.

  • Disability

    PaymentCare cancels the minimum payment owed on your account for a maximum of 12 months if you become totally unable to perform the major duties of your occupation due to a sickness or injury for at least 30 consecutive days.

  • Accidental Death

    PaymentCare cancels your account balance in full, up to $10,000, if you should die as a result of an accidental injury.


How much does PaymentCare cost?

During months that you have an account balance, your monthly fee is 79¢ per $100 of the outstanding monthly balance on your account. This fee is automatically included on your billing statement each month.

How do I get more information about PaymentCare?

Simply call 800-358-0966 for more information.

How do I enroll in PaymentCare?

Call 888-257-6437 to sign up today!

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Bill Payment

How often will I need to pay my bill?

Once a month, after you've received your statement, you can choose to pay the minimum payment due or any other amount you want—up to the full balance. Payments less than the full balance may incur finance charges.

How is my minimum payment calculated?

If your new balance is $10 or less, your minimum amount due will be the new balance. Otherwise, it will be the greater of (i) $10 or (ii) equal to the total billed finance charges (excluding balance transfer fees, cash advance fees, and foreign transaction fees), and any billed late payment fees, returned check fees, over the credit limit fees, and 1% of the new balance. Any amount past due and any amount over your total credit limit or cash credit limit may be added to the minimum amount due. Your minimum amount due, exclusive of finance charges, will be rounded to the nearest whole dollar.

How can I make a payment?

Enroll in 1-2-3 ONLINE to pay your bill online! It's quick and easy, and gives you the flexibility to pay from more than one account. Online payments made before 3 p.m. Eastern Time on business days (Monday through Friday) will be applied to your account that day. Any payment made after 3 p.m. Eastern Time or on the weekend will be applied to your account the next business day.

Enroll in AutoPay, our convenient service that allows your payments to be made automatically from your bank account. It's hassle-free with no checks to write and mail in. Plus, you'll never have to worry about missing a payment. To enroll in AutoPay, click here.

To pay by mail, simply fill out and mail the remittance portion at the top of your statement along with a check made payable to Kroger Personal Finance. Please do not send cash. Allow 7 to 10 business days for your mail time and for your payment to post to your account.

You can also call 888-257-6437 to make a payment by phone, either with our automated service or with a Customer Service Representative. There is a fee for this service.

When are payments posted?

Payments received at the bank's payment processing center (address on your account statement) before 2 p.m. Eastern Time on any business day, together with the return portion of the account statement, will be credited by the bank on that day. Our business days are Monday through Friday, excluding federal holidays. Payments received on non-business days will be processed on the next business day and finance charges continue to accrue.

What if my payment is late?

If your payment does not post by the payment due date specified on your statement, we will apply a late payment fee to your account. Please refer to the Credit Card Agreement that you received with your 1-2-3 REWARDS® MasterCard® for details.

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Rates and Charges

Is there an annual fee?

No.

Will the interest rate stay the same?

This is a variable rate account and your APR will vary based on the value of the prime rate. Your APR may change monthly if there is a change in the prime rate.

How do you calculate my interest?

Interest accrues on purchases, balance transfers, and cash advances from the date of the transaction; however, you have an interest-free grace period on purchases, only if you pay your entire new balance in full each month, on or before your payment due date. There is no grace period for balance transfers or cash advances, even if the new balance is paid in full each month.

Will I pay a finance charge on purchases if I pay the balance in full every month?

No, you won't. There is a grace period for purchases.

Do I get charged a fee for cash advances?

Yes, up to 3% of the amount advanced, but not less than $10 or more than the greater of $20 or 5% of the transaction for certain cash equivalent transactions.

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Definitions

What is an ATM?

ATM stands for Automated Teller Machine. ATMs are cash machines that allow you to withdraw cash using your card when you enter your PIN number.

What is a PIN?

A PIN (Personal Identification Number) is a four-digit code known only to you. It allows you to obtain cash advances from ATMs. We strongly recommend that you never give your PIN to anyone else.

What does variable rate mean?

A variable rate means that the interest rate charged on your outstanding balance may vary or change monthly. The variable rate on your card account may be reset on the first day of each billing cycle by adding an index to a margin for each feature. The index is the prime rate published in the northeastern edition of The Wall Street Journal in its "Money Rates" table on the first day of that billing cycle or two days prior to the closing of that billing cycle, whichever is higher.

What is a prime rate and how is it figured?

The prime rate is one of the key lending rates used by financial institutions in the United States. The prime rate used to calculate the interest due on your account is published daily in the "Money Rates" section of The Wall Street Journal.

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Useful Numbers and Addresses

Customer Service

888-257-6437—for callers with an account number (7 a.m. to 1 a.m. EST)
888-954-6767—for callers who do not yet have an account number (8 a.m. to 11 p.m. EST)

Live operators are available every day of the week, excluding some holidays.

Alternatively, write to us, quoting your account number if you already have one, at:

1-2-3 REWARDS MasterCard Customer Service
c/o Kroger Personal Finance
P.O. Box 18211
Bridgeport, CT 06601-3211

Bill Payments:

c/o Kroger Personal Finance
P.O. Box 42010
Providence, RI 02940-2010

Lost or Stolen Cards:

Call us anytime at: 888-354-5464.

More questions? Visit the 1-2-3 REWARDS® MasterCard® Product Details.


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If you have been pre-approved for your 1-2-3 REWARDS® MasterCard®, please click "Yes." You then will be prompted to enter your 17-digit pre-approval reservation number, which you can find below the barcode at the bottom of your Acceptance Certificate. If you have not been pre-approved, simply click "No" and continue the application process.