Many people increasingly use rewards cards these days. And why not? Getting a little help in financing your travel, shopping, and supermarket expenses are always a welcome treat. This “free money” is know to be the top motivator for people who apply for credit cards.

US Bank knows how desirable this is, that’s why the 1-2-3 Rewards Visa Card exists. Let’s take a closer look at what rewards are in store for you.

What are the Rewards?

Exclusive rewards for your shopping and grocery needs is the main feature for this card. With every point you accumulate from just swiping your credit card, you can get unlimited rewards from a variety of supermarkets and grocery stores.

As soon as you accumulate enough points, you can have free purchases from stores of the Kroger Company family of brands. These include King Soopers, Baker’s Dillons, City Market, and Fry’s.

Now comes the question of rewards points. If you accumulate at least 1,000 points, you are eligible for free groceries worth $5. Get more points, and soon you’ll be shopping without having to spend completely.

How do you earn these points? By making purchases at any Visa-approved store, you get 1 point from every dollar you spend on an item. If you use the card at any Kroger family of stores, you automatically get 2 points. However, this does not include fuel centers. Three points will be given to you once you swipe your rewards card form purchases of Kroger brand items.

You get to claim these rewards every three months, or every quarter of the year.

What Else Is In Store?

Because this is a Visa card, you are rest assured that no matter where you are, you can still earn points from your purchases even if you’re in Japan or in Brazil.

Paying bills won’t be such a hassle because this rewards card automatically does the paying for you. You can also resort to online banking for fast access to your account. Plus, at no added cost, you can receive your Experian credit score and keep track of your credibility.

Once you apply, you can take advantage of its introductory APR of 0% for the first nine billing cycles. After this period, you will then earn a variable APR of 13.99%-23.99%, depending on your credit history.

Transaction fees apply, but you won’t have to pay any annual fee.

Indeed, greater flexibility on spending awaits those with rewards credit cards. Sign up for this, and unlimited rewards could be yours.

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