KPF 1-2-3 Rewards

To manage or check on an existing account for a Kroger Personal Finance Visa Prepaid Debit Card with 1-2-3 Rewards, visit Temporary card accounts may be accessed via the “My Temporary Card” tab at the top of the page, or the “Manage your Temporary Account” link farther down the page. Personalized accounts may be accessed via the “My Personalized Card” tab. Temporary card accounts can be monitored for balance and upgraded to personalized cards. Personalized card accounts offer an array of benefits not available to temporary cards, such as the ability to collect and redeem rewards points.

After purchasing a temporary card from a participating retailer and loading it with an initial balance, activate the card by telephone or by visiting and clicking the “Activate Now” link. Enter the 16 digit card number and the 3 digit security code located on the back of the card in the fields provided. Card holders will be directed to fill out additional information to register a unique user ID with password. Account holders with a personal card may skip entering the card number and log in with the user ID and password directly.


Once online, cardholders can check the account balance, any accrued rewards points, and set up direct deposit using the specific account number, which is not the same as the card number. Simply fill out the paper form that was included with the prepaid card in the mail or complete and print a PDF Direct Deposit Authorization form and present it to an employer or government agency to begin depositing wages or benefits directly into the prepaid card account. In addition, personal cards can earn rewards points that can be redeemed for free groceries.

Rewards points earned according to the following:

  • 1 point per dollar spent on all purchases outside the Kroger Family of Stores
  • 2 points per dollar spent on all purchases inside the Kroger Family of Stores
  • 3 points per dollar spent on all purchases of the Kroger Family of Stores Own Brand Products

Once 1,000 rewards points have been obtained, an electronic coupon will be issued to the card, and card holders will be notified of their coupon when they use their KPF prepaid card at check-out at any Kroger store.


A KPF prepaid card can be used anywhere Visa is accepted even though it is not a credit card. Opening an account requires no credit check, and there are no overdraft fees. A small monthly fee of $3.00 is levied to maintain the account, and domestic ATM withdrawals have an associated $2.00 fee. Simply using a KPF prepaid card as a regular debit card incurs no fees, and there are no limits on the number of transactions that can be made with the card.

In the event that a temporary or personal card is lost or stolen, or if assistance is required to set up or manage an account, please contact Customer Service at 866-265-8419. Customer service is available anytime of day. Personal accounts are accessible online at for free.


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