Earn DOUBLE POINTS† when you shop with the 1-2-3 REWARDS® Visa® Card at Smith's!
When you shop with the no annual fee** 1-2-3 REWARDS® Visa® Card, you can earn double points on the purchases you already make every day at the Kroger Co. Family of Stores. The more you shop the more you earn! Every 1,000 points earns you a $5 Rewards Certificate that is automatically sent every quarter for you to redeem at checkout. It’s that easy! See how your everyday spending adds up with our Rewards Calculator.
How You Earn Rewards Certificates
- 1 Point per net $1 you spend outside our stores.
- 2 Points per net $1 you spend inside our stores.
- 3 Points per net $1 you spend on our family of store brand products.
Every 1,000 Points = $5 Rewards Certificate
Plus, save an additional 25¢ per gallon
for the first three months when you redeem 100 fuel points* using your new 1-2-3 REWARDS® Visa® Card. Apply Now.
Special Intro APR
0% Intro APR** for 9 billing cycles for purchases and balance transfers. After that, a variable APR, currently 13.99%, 18.99% or 23.99%**, applies.
†Earn points on net spend (purchases minus credits and returns) toward FREE groceries, excluding purchases made at the Kroger Co. Family of Stores Fuel Centers. Reward Certificates cannot be redeemed at Fuel Centers. Rewards sent automatically only to point balances greater than or equal to 1,000 points.
**The 0% introductory APR applies to purchases and the rate is valid for the first nine billing cycles. The 0% introductory APR applies to Balance Transfers made within 30 days of account opening and is valid for the first nine billing cycles. The 0% introductory APR does not apply to Cash Advances and other Advances as defined in the Cardmember Agreement. Thereafter the APR may vary and as of April 2013, the undiscounted variable APR for Purchases and Balance Transfers is 13.99%, 18.99% or 23.99% (based on your creditworthiness). The variable APR for Cash Advances is 25.24%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience check fee: 4% of each check amount, $10 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee: 4% of each transfer amount, $10 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 2.8% of each foreign purchase transaction or foreign ATM advance transaction. We apply your minimum payment to balances with lower APRs first. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association ND and its affiliates as provided under the Cardmember Agreement and applicable law.
*Offer applies to new cardholders only. Discount is available at the Kroger Co. Family of Stores Fuel Centers when you redeem at least 100 existing fuel points earned in a single month. You must scan, redeem points and pay with your 1-2-3 REWARDS® Visa® Card in order to receive this fuel discount. Additional 25¢ discount offer expires three months from the cardholder’s approval date. Upon expiration, cardholder will receive additional 5¢ fuel discount at the Kroger Co. Family of Stores Fuel Centers, when they scan, redeem points and pay with their 1-2-3 REWARDS® Visa® Card. Not valid with any other fuel offer. Accumulation excludes taxes, office services, alcohol, tobacco, fuel, prescriptions and any purchases prohibited by law. Fuel discount effective for a limited time at participating Fuel Center locations. Not valid in AL, LA, MO or where prohibited by law. Purchases made at the Kroger Co. Family of Stores Fuel Centers do not earn 1-2-3 REWARDS® Visa® Card points. Please see store for fuel discount details and in-store spending requirements.
The creditor and issuer of the 1-2-3 REWARDS® Visa® Card is U.S. Bank National Association ND, pursuant to a license from Visa U.S.A. Inc.