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Get or reload your prepaid debit card

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Why use a

There are many reasons to use a prepaid debit card instead of cash. It’s a quicker and easier way to pay for goods and services, and also lets you keep a closer eye on what you spend. With your prepaid debit card you can:


Pay your bills – Make fast and secure payments to your utility provider, cell phone, rent, car loan and more.

Send and receive money – Use Card-to-Card Transfer to simply move funds between cards. Login or use our 1-2-3 REWARDS Prepaid App to move funds on your card to another 1-2-3 REWARDS Personalized Card. Send money now.

Spend your money more securely – Your card is protected with a unique PIN, and can be cancelled and replaced quickly if lost or stolen.


Signing up for a 1-2-3 REWARDS®

Sign up for a reloadable 123 REWARDS® Prepaid Debit Card at Money Services or online for a secure way to make payments online or in-store.

You can use your card to pay bills and buy every day essentials, conveniently withdraw cash at over 70,000 ATMs nationwide and reload you card balance at your local Money Services.  Widely accepted online and in stores where you see the Visa® or Mastercard® signs, our prepaid debit cards are a smart and simple way to manage your money.

Sign up for yours today.

What are the benefits of using

There are many reasons why the 1-2-3 Prepaid Debit Card could be for you:

Track your spending

Easily keep a record of what you’ve spent by signing up for text and email alerts or using our mobile app. Or you could get paper statements

Fee free ATMS

You can use the card at over 70,000 fee free ATMs across the country.

No overdraft fees

As you only spend what you put on the card, there’s no risk of overdrawing your account and being hit with fees.

No credit check

You don’t need a credit check to successfully apply for a prepaid card*.

Get Rewards**

Earn points toward free groceries and get fuel savings. The more you use your card, the faster you earn points.


Reloading your card is quick and easy. Reload with a range of options: Cash, Direct Deposit, Recharge Card™, Bank Account, PayPal, Mobile Check Deposit, Card to Card.

How to get a

Take the following steps and you’ll be using your 1-2-3 REWARDS® Visa® or Mastercard® Prepaid Debit Card in no time.

  • Get a Card Online* – Verify some personal information when signing up for a card and you’re ready to go. Sign up here.

  • Activate – After your card arrives in the mail, it will be ready to use immediately after activation.

  • Load it up – To use it you need to add funds to your card. You can see how to load below.

Or you can visit us in a store to pick up a temporary card.

Then you’re ready to make purchases with your 1-2-3 REWARDS® Card, the same way you would use a debit or credit card. It’s like having your own bank account, but without the hassle, charges and overdraft fees – and on your own terms.

How to reload the

Reloading your card is quick and easy – though some fees and transaction limits apply depending on how you choose to reload. You can reload the following ways:

  • With cash

    This can be done at any Kroger Family of Stores checkout lane.

  • By direct deposit

    An easy and free way to load your card.

  • Using the Recharge Card™

    Buy a Recharge Card for just $3.

  • Transfer Money

    You can send money to your card from a bank account.

  • Log on to PayPal

    Transfer money from your PayPal account.

  • Mobile Check Load with Ingo Money†

    Take a photo of your check on your phone and send to the app.

  • Transfer Card-to-card

    Log on and move money between cards.

The 1-2-3 REWARDS® Prepaid Debit Card is issued by U.S. Bank National Association Member FDIC, pursuant to a license from Visa® or from Mastercard® International Incorporated.  It is not a credit card or gift card.  Monthly service fee and other fees apply.

*Successful identification verification required.

** Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as purchases made at the Kroger Family of Companies Fuel Centers, lottery tickets, Gift Cards, Money Orders, or alcohol.  See Cardholder Agreement for details. You may not redeem Rewards, and you will immediately lose all of your Rewards if the Card account is closed to future transactions (including, but not limited to Program misuse or death).  Points expire 24 months from month issued.  Electronic coupons expire 12 months from issue date.  Rewards program is subject to change without notice.

†Ingo Money is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Approval usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be funded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See your Cardholder or Account Agreement for details.

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