To apply online, visit the website and click the Apply Now button. You must give them some required information as you would when applying for any credit card. You will need to provide your name, address, Social Security number and some information about your income. There will be several cards to choose from that are in the 1-2-3 Rewards Visa family. Some of the other names include CityMarket, Dillon’s and Smith’s. The 1-2-3 rewards cards are all about melding the store loyalty programs or shopper’s cards in with the credit cards. Remember that you can still reap the benefits of the loyalty program at Kroger’s without using their credit card. So using a major bank issued credit card that gets rewards in conjunction with the shopper card to get loyalty points may actually be more lucrative than using the store credit card.