Smith's REWARDS World Mastercard® | Home 1-2-3 REWARDS Credit Card

With the 1-2-3 Rewards credit card, Cardmembers earn
Free Groceries
on everyday purchases¹

Apply Now
Cardmembers earn
Free Groceries
on everyday purchases¹

Apply Now

The Smith's REWARDS World Mastercard^® gives you unlimited rewards. Every 1,000 points = $5 in free groceries.

1 point per eligible net $1 spent anywhere¹ Mastercard is accepted.

2 points per eligible net $1 spend in the Kroger Family of Companies (excluding fuel centers).

3 points per eligible net $1 on the Kroger Family of Companies Own Brand Products.

Smith's REWARDS World Mastercard® credit card

Smith's REWARDS World Mastercard^® benefits

An additional 25� off per gallon for one year each time you redeem at least 100 fuel points² at participating Kroger Family of Companies Fuel Centers.

No annual fee.

Earn free groceries with every eligible net purchase.¹

Apply Now

The Smith's REWARDS World Mastercard^® is your ticket to instant savings at the fuel station.

Earn an additional 25¢ off per gallon for one year each time you redeem at least 100 fuel points.²

Travel Assistance Services with Smith's REWARDS World Mastercard®

See how quickly your Rewards Points add up!

Q1.How much do you spend per month outside our stores?

$2500

Q2.How much do you spend per month on all purchases at our stores? (excluding fuel and Kroger Family of Companies Own Brand Products)

$500

Q3.How much do you spend per month on Kroger Family of Companies Own Brand Products?

$250

Every quarter you could earn

Rewards Points

$ each quarter

Apply now

Save an additional 25� per gallon of fuel for a year - Each time you redeem
100 Fuel Points.²

Apply Now

Skip to Legal Disclosures

Site Map

U.S. Bank 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.

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information.

¹ 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 qualify for Rewards Points, such as Advances, Balance Transfers, and Convenience Checks. You may not redeem Rewards Points, and you will immediately lose all of your Rewards Points, if your Account is closed to future transactions (including, but not limited to, Program misuse, failure to pay, bankruptcy, or death). Purchases made at The Kroger Family of Companies Fuel Centers do not earn Rewards Points. Rewards Certificates sent automatically only to balances greater or equal to 1,000 Rewards Points, if your Account is open and in good standing. Rewards Certificates cannot be redeemed at Fuel Centers. Upon approval, see your Cardmember Agreement for details.

Return to Text

² Offer applies to new cardmembers only. Discount is available at Kroger Family of Companies Fuel Centers when 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 25¢ 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.

Return to Text

With the 1-2-3 Rewards credit card, Cardmembers earn Free Grocerieson everyday purchases1

Cardmembers earn Free Grocerieson everyday purchases1

Smith's REWARDS World Mastercard® benefits

The Smith's REWARDS World Mastercard® is your ticket to instant savings at the fuel station.

See how quickly your Rewards Points add up!

With the 1-2-3 Rewards credit card, Cardmembers earn
Free Groceries
on everyday purchases¹

Cardmembers earn
Free Groceries
on everyday purchases¹

Smith's REWARDS World Mastercard^® benefits

The Smith's REWARDS World Mastercard^® is your ticket to instant savings at the fuel station.