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US Bank Ralphs Rewards Visa Card

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US Bank Ralphs Rewards Visa Card

in Personal Credit Cards

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Overview

Who is this credit card designed for?

US Bank Ralphs Rewards Visa Card is a credit card issued by US Bank, which is based in Minneapolis, MN.

US Bank Ralphs Rewards Visa Card is designed for people with a credit score of 640 to 850. It's perfect for consumers looking for a card without an annual fee. A rewards program is included that allows you to convert your purchases into travel, gifts, and other perks.

This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR.

What are the relevant APRs?

US Bank charges a variable APR on new purchases that ranges from 14.24% to 24.24%. Balance transfer APRs, which are also variable, range from 14.24% to 24.24%

Is an introductory APR offer available?

No, US Bank Ralphs Rewards Visa Card does not come with an introductory APR offer.

What are the fees?

The following fees apply to US Bank Ralphs Rewards Visa Card:

  • There is no annual fee
  • A late payment penalty of $37.
  • A returned payment fee of $35.
  • There is no overlimit fee
  • A foreign transaction fee of 2.8%. Transactions in a foreign currency get hit with a 2.8% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $28.

Is a rewards program offered?

US Bank Ralphs Rewards Visa Card offers a rewards program to its customers.

Is a signup bonus offered?

US Bank Ralphs Rewards Visa Card doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

US Bank Ralphs Rewards Visa Card doesn't offer a cash loyalty bonus.

What additional benefits are offered?

US Bank Ralphs Rewards Visa Card provides the following benefits:

  • Car rental insurance
  • Extended warranty
  • Fraud liability
  • Travel insurance
  •  

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    Availability

    Available in 50 States and Washington, DC
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Grace Period / Deferred Interest (Months)
    24
    Over-Limit Fee
    $0
    Annual Fee
    $0
    No Annual Fee
    Late Payment Penalty
    $37
    Returned Payment Fee
    $35
    Minimum Interest Charge
    $2
    Foreign Currency Transaction Fee
    2.8%
    Credit Score Range
    640 - 850
    850 300 640
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Minimum Age
    18
    Customer Type
    Personal
    Card Type
    • Balance Transfer
    • Rewards
    Card Network
    • Visa
    Car Rental Insurance
    Extended Warranty
    Fraud Liability
    Travel Insurance
    All Other Purchases
    1 point per net $1 spent
    Every Purchase
    2 points per net $1 spent at Ralphs grocery stores, 3 points per net $1 spent on Ralphs store brand products
    Purchases APR (variable)
    14.24% - 24.24%
    0% 29%
    Balance Transfer APR (variable)
    14.24% - 24.24%
    8% 29%
    Transfer Fee
    4%

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