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US Bank Ralphs Rewards Visa Card

in Personal Credit Cards from US Bank

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Out of Business

US Bank Ralphs Rewards Visa Card

in Personal Credit Cards from US Bank

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Highlights
Highlights
Annual Fee $0
Purchase APR (Variable APR) 14.24% - 24.24%
Balance Transfer APR (Variable APR) 14.24% - 24.24%
Credit Score Range 640 - 850

Overview

Who is US Bank Ralphs Rewards Visa 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.

This card does not charge an annual fee, which makes it ideal for those looking to minimize costs. A rewards program is included that allows you to convert your purchases into travel, gifts, or 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 for US Bank Ralphs Rewards Visa Card?

US Bank Ralphs Rewards Visa Card has a variable purchase APR that ranges from 14.24% up to 24.24%. The card has a variable balance transfer APR that ranges from 14.24% up to 24.24%.

Does US Bank Ralphs Rewards Visa Card have an introductory APR offer?

No, US Bank Ralphs Rewards Visa Card does not come with an introductory APR offer for balance transfers. US Bank Ralphs Rewards Visa Card does not offer an introductory rate on new purchases.
US Bank Ralphs Rewards Visa Card Rates & Terms
Purchase APR 14.24% - 24.24%
Balance Transfer APR 14.24% - 24.24%

What are the US Bank Ralphs Rewards Visa Card fees?

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

  • There is no annual fee.
  • A late payment penalty of up to $37.
  • US Bank Ralphs Rewards Visa Card does not charge a returned payment fee.
  • There is no overlimit fee

Does US Bank Ralphs Rewards Visa Card have a foreign transaction fee?

US Bank Ralphs Rewards Visa Card charges a foreign transaction fee of 2.8%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $56. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.
US Bank Ralphs Rewards Visa Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2.8%
Returned Payment Fee $35
Late Payment Fee $37

Is there a US Bank Ralphs Rewards Visa Card cash back or rewards program?

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

Does US Bank Ralphs Rewards Visa Card have a signup bonus?

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

Does US Bank Ralphs Rewards Visa Card offer an annual loyalty bonus?

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

How to apply for US Bank Ralphs Rewards Visa Card

  • Visit the US Bank website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application was rejected and what you can do about it.
    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • 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 for Late Payment (Days) 24
    Over-Limit Fee $0
    Annual Fee $0
    No Annual Fee  
    Returned Payment Fee $35
    Minimum Interest Charge $2
    Late Fee Amount $37
    Foreign Currency Transaction Fee 2.8%
    Minimum Age 18
    Credit Score Range 640 - 850
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    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
    Customer Type Personal
    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
    Purchase APR (Variable APR) 14.24% - 24.24%
    Balance Transfer APR (Variable APR) 14.24% - 24.24%

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