| Rewards | 1% cash back on all other purchases. 2% cash back on grocery store purchases. 3% cash back on gas purchases. |
|---|---|
| Signup Bonus | The card offeres a $150 statement credit after spending $200 in net purchases within 40 days of account opening. |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 25.99% (APR is subject to change) |
| Cash Advance Fee | 5% of the amount of each cash advance, with a minimum of $10 |
| Late Payment Fee | Up to $37 |
| Purchases APR | 11.99% – 23.99%, depending on creditworthiness (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The 1-2-3 Rewards Visa Credit Card is known for its straightforward cash-back structure, offering 1% on general purchases, 2% on groceries, and 3% on gas. With no annual fee, it’s a solid option for those looking to earn rewards without the extra cost.
Many cardholders praise the simplicity of its rewards program, especially the 3% back on gas, which is ideal for drivers. The lack of an annual fee also gets a lot of love, and users appreciate that it’s a no-frills card that still offers solid returns on everyday expenses.
On the flip side, some reviewers note that the cash-back potential can feel limited compared to cards with higher rewards on dining or travel, and the bonus categories aren’t as flexible as some other options. Additionally, some mention that the card’s APR is relatively high, so it’s not the best choice if you tend to carry a balance.
Personally, I think this card is a great pick for everyday spenders who prioritize simplicity and gas rewards. If you’re looking for higher rewards on dining or travel, though, you might want to explore other options.
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simple and rewarding
this card makes earning rewards effortless. I get points on groceries, gas, and dining without any complicated rules. It's straightforward, reliable, and perfect for everyday use. Customer service is helpful when I have questions.
