We’re making it easy for you to earn rewards when you shop, with multiple options to help you pay the way you want. With the 1-2-3 REWARDS^® World Mastercard^® and Kroger REWARDS Debit Card, you can pick the best payment option for you and your lifestyle.

The 1-2-3 REWARDS® World Mastercard® is so much more than a credit card! Earn FREE groceries² with rewards checks sent to you automatically. Plus, you’ll save an additional 55¢ per gallon of fuel for 1 year, each time you redeem 100 fuel points.¹

• Grow your rewards even faster with automatic bill pay.
• Anytime, anywhere assistance with Mastercard Global.
• Travel assistance service helps with pre-trip destination information, such as visa and passport requirements, immunization and help with lost or stolen travel documents and luggage.
• Worldwide acceptance at more than 1 million ATMs.

Learn more about the 1-2-3 REWARDS® World Mastercard®

Existing Cardmember? Manage your 1-2-3 REWARDS® World Mastercard®

The Kroger REWARDS Debit Card is a rewards card and check card, all in one! Instead of writing a check, you simply swipe the Kroger REWARDS Debit Card, enter a PIN and the funds will be taken out of your checking or savings account within 1–5 business days. It’s the perfect card for rewarding you for shopping at The Kroger Co. Family of Stores.

• Enjoy 50% MORE fuel points on grocery purchases every day.³
• No annual fee! Plus, get exclusive offers like a 2% discount off Our Brands, including Simple Truth^®, Kroger^® Brand and more.⁴
• No paper checks or ID verifications — It links directly to your existing checking account...simply swipe and go.
• PIN protected — just like a debit card.
• Easy and secure — save time, earn fuel points and grocery rewards with one card swipe.

Apply Now For Kroger REWARDS Debit Card

Earn an additional 50% MORE Fuel Points and 2% cash back on Our Brands products when you activate Kroger Pay and use your 1-2-3 REWARDS MasterCard or Kroger REWARDS Debit Card as the preferred form of payment.

1-2-3 REWARDS® World Mastercard®

Account must be open and in good standing to earn and redeem rewards and benefits. Subject to credit approval. If approved, please refer to the Cardmember Agreement included with your card at the time of opening.

¹ For a limited time only. Subject to credit approval. Discount is available at Kroger Family of Companies Fuel Centers each time you redeem at least 100 existing fuel points earned in a single month. Must be approved for the 1-2-3 REWARDS® World Mastercard® to qualify for this offer. You must scan, redeem points and pay with your 1-2-3 REWARDS® World Mastercard® in order to receive the fuel discount. Additional 55¢ discount offer expires one year from the cardholder’s approval date. Upon expiration, cardholder will receive additional 5¢ fuel discount at Kroger Family of Companies Fuel Centers when they scan, redeem points and pay with their 1-2-3 REWARDS® World Mastercard®. 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 LA, MO or where prohibited by law. Purchases made at Kroger Family of Companies Fuel Centers do not earn Rewards points. Please see store for fuel discount details and in-store spending requirements. Selling or purchasing fuel points is prohibited. Fuel redemption offer cannot be combined with any other discounts. No discounts to dealers, wholesalers, or fleet programs. No cash back. Not valid where prohibited by law. We may suspend or remove you from the fuel program due to violation of these terms or because of fraudulent activity or suspected fraudulent activity.

²Subject to credit approval. Earn Rewards Points toward free groceries. Rewards Points are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible for Rewards Points, such as Advances, Balance Transfers, and Convenience Checks. Purchases made at The Kroger Family of Companies Fuel Centers do not earn Rewards Points or fuel points. Rewards sent automatically only to balances greater or equal to 1,000 Rewards Points, if your Account is open and in good standing. Rewards cannot be redeemed at Fuel Centers. Upon approval, see your Cardmember Agreement for details.

³The APR may vary and as of 3/1/2021, the variable APR for purchases and Balance Transfers is 11.99%-23.99% (based on your creditworthiness). The variable APR for Cash Advances is 25.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 4% of each check amount, $10 minimum. Cash Equivalent fee: 5% 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. We apply your minimum payment to balances with lower APRs first, including promotional APRs. 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 and its affiliates as provided under the Cardmember Agreement and applicable law.

The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

©2021 U.S. Bank National Association. All rights reserved.

⁴You will earn points toward discounted fuel purchases when you use your Kroger REWARDS Debit Card to make eligible purchases. Fuel discounts are available at The Kroger Co. Family of Stores Fuel Centers each time you redeem at least 100 existing and unexpired points. You will earn points on eligible net purchases (eligible purchases (exclusive of taxes) minus returns and credits). When you use your Kroger REWARDS Debit Card to make an eligible purchase, you will earn one

(1) point for each one dollar ($1) of eligible net purchases you make as a Kroger Rewards Program participant and an additional point five (0.5) points for each one dollar ($1) of eligible net purchases because you used your Kroger REWARDS Debit Card to make the purchase. Points may take up to 48 hours after your purchase to be credited to your account. Points earned in any month will expire at the end of the next month and do not accumulate across months. Points are not redeemable for discounted fuel purchases where prohibited by law, including Louisiana & Missouri. This offer is subject to change as described in the Kroger Rewards Debit Card Terms and Conditions. See your Kroger REWARDS Debit Card Terms and Conditions for more details.

⁵You will earn a discount in an amount equal to 2% of the aggregate cost (exclusive of tax) of Our Brand Products you purchase, when you use your Kroger REWARDS Debit Card to make the purchase. This discount will automatically be applied to and deducted from your next purchase made using your Kroger REWARDS Debit Card. Discounts may take up to 48 hours to be credited to your account. Visit Our Brands for a complete list of Kroger Our Brands. This offer is subject to change as described in the Kroger Rewards Debit Card Terms and Conditions. See your Kroger REWARDS Debit Card Terms and Conditions for more details.

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