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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, 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?

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%.

Is an introductory APR offer available?

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.

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.

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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

No Fees
Grace Period for Late Payment (Days)
24
Over-Limit Fee
$0
Annual Fee
$0
No Annual Fee
 
List of Fees
Late Payment Penalty
$37
Returned Payment Fee
$35
Minimum Interest Charge
$2
Foreign Currency Transaction Fee
2.8%
Minimum Age
18
Credit Score Range
640 - 850
850 300 640
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
Percentage
Purchase APR
(Variable APR)
14.24% - 24.24%
    0% 29%
Percentage
Balance Transfer APR
(Variable APR)
14.24% - 24.24%
    8% 29%

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