Features

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, and was established in 1929.

It is 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 allows 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:

  • 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% commission. 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. You can earn more rewards if you make purchases in the following categories:

    Is a signup bonus offered?

    No, it doesn't offer a cash signup bonus.

    What additional benefits does are offered?

    US Bank Ralphs Rewards Visa Card provides the following benefits:

  • Car rental insurance
  • Extended warranty
  • Fraud liability
  • Travel insurance
    • Credit Score Range
      640 - 850
    • Employment Statuses Considered
      • Employed Full-Time
      • Employed Part-Time
      • Other
      • Retired
      • Self-Employed
      • Unemployed
    • Immigration Status Considered
      • U.S. Citizen
      • U.S. Permanent Resident
    • Military Status
      • Active Duty Military
      • Military Dependent
      • Non-Military
      • Veterans
    • Minimum Age
      18
    • Supported Income Types
      • 1099 Misc. Income
      • Cash / Other
      • Direct Deposit (W2, SSA, SSDI)
      • Payroll Check or Prepaid Card
    • Customer Type
      Personal
    • Grace Period / Deferred Interest
      24
    • Late Payment Penalty
      $37
    • Minimum Interest Charge
      $2
    • Returned Payment Fee
      $35
    • Foreign Currency Transaction Fee
      2.8%
    • No Annual Fee
    • Card Type
      • Balance Transfer
      • Rewards
    • Card Network
      Visa
    • Car Rental Insurance
    • Extended Warranty
    • Fraud Liability
    • Travel Insurance
    • Points
    • Purchases APR (variable)
      14.24% - 24.24%
    • Transfer Fee
      4% w/$10 min.
    • Balance Transfer APR (variable)
      14.24% - 24.24%
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