SuperMoney 
Compare Rates

Compare All Personal Credit Cards

Filter & compare all your options in one place.

View All Personal Credit Cards
x No thanks, not right now
Advertiser Disclosure
  Ralphs Rewards World Mastercard

Ralphs Rewards World Mastercard

in Personal Credit Cards from US Bank

Unaffiliated

Ralphs Rewards World Mastercard

Unaffiliated

in Personal Credit Cards from US Bank

Net Recommendation Score 0% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
1 user recommends
0 users are unsure
1 user doesn't recommend
Browse Reviews: 1 Recommendations | 1 Complaints
Cast your vote
Cast your vote

Would you recommend Ralphs Rewards World Mastercard to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Change my vote
Highlights
Highlights
Community Rating

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Annual Fee $0
Purchase APR  (Variable APR) 13.99% - 25.99%
Balance Transfer APR  (Variable APR) 13.99% - 25.99%
Credit Score Range 640 - 850

Ralphs Rewards World Mastercard Review

Ralphs Rewards World Mastercard is a rewards credit card issued by US Bank. 

This card is designed for people with fair credit. The minimum credit score to apply is 640. If you're wondering whether Ralphs Rewards World Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Ralphs Rewards World Mastercard
Pros Cons
  • No annual fee.
  • Introductory cash back bonus.
  • The Ralphs Rewards World Mastercard® gives you unlimited rewards. Every 1,000 points = $5 in FREE groceries. Rewards Point per eligible net $1 spent anywhere1 Mastercard is accepted. Rewards Points per eligible net $1 spent in Ralphs and all Kroger® Family of Companies (excluding fuel centers). Rewards Points per eligible net $1 on the Ralphs and Kroger Family of Companies Own Brand Products.
  • Earn $50 cash back when you apply for the Ralphs Rewards World Mastercard®, get approved and make your first purchase with your Ralphs Rewards World Mastercard®
    		•
  • Low points rewards beyond grocery purchases.
  • Purchases made at The Kroger Family of Companies Fuel Centers do not earn Rewards Points.
    		•

    Is there a Ralphs Rewards World Mastercard cash back or rewards program?

    Ralphs Rewards World Mastercard offers a rewards program to its customers.

    Ralphs Rewards World Mastercard Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) $50
    Signup Bonus Spend Requirement $1

    Does Ralphs Rewards World Mastercard have a signup bonus?

    Yes, Ralphs Rewards World Mastercard offers card users a signup bonus worth up to $50 after spending $1.

    Does Ralphs Rewards World Mastercard offer an annual loyalty bonus?

    Ralphs Rewards World Mastercard doesn't offer a cash loyalty bonus.

    What are the Ralphs Rewards World Mastercard benefits?

    Ralphs Rewards World Mastercard provides the following benefits:

    • Auto Rental Collision Damage Waiver
    • Extended Warranty Protection
    • Fraud Liability
    • Travel Assistance
    • Reports to major credit bureaus

    What are the relevant APRs for Ralphs Rewards World Mastercard?

    Ralphs Rewards World Mastercard has a variable purchase APR that ranges from 13.99% up to 25.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 25.99%.

    It also has a variable cash advance APR starting at 27.24% .

    The good news is this card does not charge a penalty APR if you are late on a payment.

    Does Ralphs Rewards World Mastercard have an introductory APR offer?

    No, Ralphs Rewards World Mastercard does not come with an introductory APR offer for balance transfers. Ralphs Rewards World Mastercard does not offer an introductory rate on new purchases.
    Ralphs Rewards World Mastercard Rates & Terms
    Purchase APR 13.99% - 25.99%
    Balance Transfer APR 13.99% - 25.99%
    Cash Advance APR Starting at 27.24%
    Penalty APR 0%

    What are the Ralphs Rewards World Mastercard fees?

    The following fees apply to Ralphs Rewards World Mastercard:

  • There is no overlimit fee
    Ralphs Rewards World Mastercard Fees
    Fees Amount
    Annual Fee $0
    Overlimit Fee $0
    Foreign Transaction Fee 0%
    Balance Transfer Fee 4%
    Minimum Balance Transfer Fee $10
    Returned Payment Fee up to $35
    Late Payment Fee up to $39

    Does Ralphs Rewards World Mastercard have a foreign transaction fee?

    Ralphs Rewards World Mastercard does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

    Does Ralphs Rewards World Mastercard report your account activity to credit bureaus?

    Ralphs Rewards World Mastercard reports your account activity to the following credit reporting agencies:

    • Equifax
    • Experian
    • Transunion

    Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

    How to apply for Ralphs Rewards World Mastercard

    • 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 may have been rejected and what you can do about it.

    If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

    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...

    • Contact

    • Headquarters
    •   425 Walnut St
      Cincinnati, OH 45202
    •   Visit Site

    Hours of Operation

    • Sunday Closed
    • Monday 8:30am - 11:73am
    • Tuesday 8:30am - 5:30pm
    • Wednesday 8:30am - 5:30pm
    • Thursday 8:30am - 5:30pm
    • Friday 8:30am - 5:30pm
    • Saturday Closed

    Other Services by US Bank

    Icon for Personal Credit Cards
    View all personal credit cards offered by US Bank
    Icon for Banking Banking

    CD Accounts

    3 Products

    Be the first to rate

    Checking Accounts

    3
    5
    5

    13 Reviews

    Money Market Accounts

    Be the first to rate

    Savings Accounts

    Be the first to rate
    Icon for Credit Card Credit Card

    Business Credit Cards

    6 Products

     
    4
    6

    11 Reviews

    Prepaid Cards

     
     
    6

    6 Reviews
    Icon for Investment Investment

    Investment Advisors

    Rating not yet determined

    2 Reviews
    Icon for Loans Loans

    Auto Loans

    Rating not yet determined

    4 Reviews

    Business Loans

    Be the first to rate

    Personal Lines of Credit

    Rating not yet determined

    1 Reviews

    Personal Loans

    Rating not yet determined

    1 Reviews
    Icon for Mortgage Mortgage

    Home Equity Lines of Credit

    Rating not yet determined

    2 Reviews

    Home Equity Loans

    Be the first to rate

    Home Purchase Mortgages

    Rating not yet determined

    3 Reviews
    Icon for Refinance Refinance

    Auto Loan Refinancing

    Be the first to rate

    Mortgage Refinance

    Be the first to rate

    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

    Groceries 2% - 3%
    No Interest Grace Period for Late Payment 24
    Over-Limit Fee $0
    Annual Fee $0
    Foreign Currency Transaction Fee 0%
    No Annual Fee  
    No Foreign Transaction Fee  
    Returned Payment Fee Up to $35
    Minimum Interest Charge $2
    Late Fee Amount Up to $39
    Balance Transfer Fee % 4%
    Balance Transfer Fee Minimum $10
    Minimum Cash Advance Fee ($) Starting at $10
    Cash Advance Fee (%) Starting at 4%
    Cash Advance Fee Minimum $10
    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  
    Emergency Support  
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Extended Warranty Protection
    • Fraud Liability
    • Purchase Protection
    • Travel Assistance
    Rewards Categories
    • Every Purchase
    • Groceries
    Bonus Rewards $50 cashback after first purchase.
    Every Purchase 2 points per net $1 spent at Ralphs adn Kroger family grocery stores, 3 points per net $1 spent on Ralphs and Kroger family store brand products. 1 point per net $1 spent anywhere else Mastercard is accepted.
    Signup Bonus $50
    Purchase APR (Variable APR) 13.99% - 25.99%
    Cash Advance APR (Variable APR) Starting at 27.24%
    Security Deposit $0
    Balance Computation average daily balance
    Penalty APR 0%
    Balance Transfer APR (Variable APR) 13.99% - 25.99%

    Ralphs Rewards World Mastercard Community Reviews
    Browse Reviews: 1 Recommendations | 1 Complaints

     

    Would you recommend Ralphs Rewards World Mastercard to your friends?

    Before we publish your vote:

    Please explain your vote by sharing your experience.

    Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

    Please write a review to submit your vote
    Cancel my vote
    (will require moderator approval)

    Other Personal Credit Cards

    Credit One Bank® Platinum Visa®
    Strongly recommended

    5 Reviews

    Avianca Vida Visa Card
    Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

    2 Reviews

    Avianca Life Miles Vuela Visa
    Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

    1 Reviews

    View All

    US Bank Personal Credit Cards

    Product

    Reviews

    Annual Fee

    Purchase APR

    Balance Transfer APR

    Credit Score Range

    US Bank Harley-Davidson Visa Signature® Card

    US Bank Harley-Davidson Visa Signature® Card

    Rating not yet determined

    3 total votes
    In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
    Annual Fee $0 Annual Fee
    Purchase APR 15.49% - 24.49%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 15.49% - 24.49%
    (Variable APR)
        0% 29% Variable APR
    Credit Score Range 640 - 850     300 850
    Kroger 1-2-3 REWARDS® World Mastercard®

    Kroger 1-2-3 REWARDS® World Mastercard®

    Rating not yet determined

    2 total votes
    In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
    Annual Fee $0 Annual Fee
    Purchase APR 13.99% - 25.99%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 13.99% - 25.99%
    (Variable APR)
        0% 29% Variable APR
    Credit Score Range 640 - 850     300 850
    US Bank Harley-Davidson Visa Secured Credit Card

    US Bank Harley-Davidson Visa Secured Credit Card

    Rating not yet determined

    1 total votes
    In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
    Annual Fee $0 Annual Fee
    Starting Purchase APR 24.49% Starting Variable APR
    Starting Balance Transfer APR 24.49% Starting Variable APR
    Credit Score Range 300 - 700     300 850
    US Bank Gymboree Visa Credit Card

    US Bank Gymboree Visa Credit Card

    Rating not yet determined

    1 total votes
    In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
    Annual Fee $0 Annual Fee
    Purchase APR 15.49% - 24.49%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 15.49% - 24.49%
    (Variable APR)
        0% 29% Variable APR
    Credit Score Range 640 - 850     300 850
    US Bank AeroMexico Visa Card

    US Bank AeroMexico Visa Card

    Rating not yet determined

    1 total votes
    In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
    Annual Fee $45 Annual Fee
    Purchase APR 14.49% - 24.49%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 14.49% - 24.49%
    (Variable APR)
        0% 29% Variable APR
    Credit Score Range 700 - 850     300 850
    US Bank LATAM Visa® Card

    US Bank LATAM Visa® Card

    Rating not yet determined

    1 total votes
    In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
    Annual Fee $45 Annual Fee
    Purchase APR 14.49% - 24.49%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 14.49% - 24.49%
    (Variable APR)
        0% 29% Variable APR
    Credit Score Range 640 - 750     300 850
    REI Co-op World Mastercard

    REI Co-op World Mastercard

    Rating not yet determined

    2 total votes
    In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
    Annual Fee $0 Annual Fee
    Purchase APR 12.99% - 24.99%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 12.99% - 24.99%
    (Variable APR)
        0% 29% Variable APR
    Credit Score Range N/A Credit Score Range
    US Bank AeroMexico Visa Secured Card

    US Bank AeroMexico Visa Secured Card

    Be the first to rate

    Annual Fee $25 Annual Fee
    Starting Purchase APR 24.49% Starting Variable APR
    Starting Balance Transfer APR 24.49% Starting Variable APR
    Credit Score Range 640 - 850     300 850
    US Bank LATAM Visa® Secured Card

    US Bank LATAM Visa® Secured Card

    Be the first to rate

    Annual Fee $25 Annual Fee
    Starting Purchase APR 24.49% Starting Variable APR
    Starting Balance Transfer APR 24.49% Starting Variable APR
    Credit Score Range 300 - 640     300 850
    US Bank Cash+™ Visa Signature Card

    US Bank Cash+™ Visa Signature Card

    Be the first to rate

    Annual Fee $0 Annual Fee
    Purchase APR 15.99% - 25.49%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 15.99% - 25.49%
    (Variable APR)
        0% 29% Variable APR
    Credit Score Range 700 - 850     300 850
    US Bank FlexPerks® Travel Rewards Visa Signature® Card

    US Bank FlexPerks® Travel Rewards Visa Signature® Card

    Be the first to rate

    Annual Fee $49 Annual Fee
    Purchase APR 15.99% - 25.99%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 15.49% - 25.49%
    (Variable APR)
        0% 29% Variable APR
    Credit Score Range 700 - 850     300 850
    US Bank FlexPerks® Select+ American Express® Card

    US Bank FlexPerks® Select+ American Express® Card

    Be the first to rate

    Annual Fee $0 Annual Fee
    Purchase APR 15.49% - 24.99%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 15.49% - 25.49%
    (Variable APR)
        0% 29% Variable APR
    Credit Score Range 680 - 850     300 850
    US Bank FlexPerks® Gold American Express® Card

    US Bank FlexPerks® Gold American Express® Card

    Be the first to rate

    Annual Fee $85 Annual Fee
    Purchase APR 15.49% - 25.49%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 15.49% - 25.49%
    (Variable APR)
        0% 29% Variable APR
    Credit Score Range 680 - 850     300 850
    US Bank SkyBlue SKYPASS Visa Credit Card

    US Bank SkyBlue SKYPASS Visa Credit Card

    Be the first to rate

    Annual Fee $0 Annual Fee
    Purchase APR 14.49% - 21.49%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 14.49% - 21.49%
    (Variable APR)
        0% 29% Variable APR
    Credit Score Range 640 - 850     300 850
    US Bank AeroMexico Visa Signature®

    US Bank AeroMexico Visa Signature®

    Be the first to rate

    Annual Fee $80 Annual Fee
    Purchase APR 14.49% - 24.49%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 14.49% - 24.49%
    (Variable APR)
        0% 29% Variable APR
    Credit Score Range 700 - 850     300 850
    US Bank SKYPASS Visa Secured Card

    US Bank SKYPASS Visa Secured Card

    Be the first to rate

    Annual Fee $50 Annual Fee
    Starting Purchase APR 17.74% Starting Variable APR
    Starting Balance Transfer APR 17.74% Starting Variable APR
    Credit Score Range 300 - 700     300 850
    US Bank LATAM Visa Signature® Card

    US Bank LATAM Visa Signature® Card

    Be the first to rate

    Annual Fee $75 Annual Fee
    Purchase APR 14.49% - 24.49%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 14.49% - 24.49%
    (Variable APR)
        0% 29% Variable APR
    Credit Score Range 700 - 850     300 850
    US Bank Visa Platinum® Card

    US Bank Visa Platinum® Card

    Be the first to rate

    Annual Fee $0 Annual Fee
    Purchase APR 11.49% - 23.49%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 11.49% - 23.49%
    (Variable APR)
        0% 29% Variable APR
    Credit Score Range 700 - 850     300 850
    US Bank SKYPASS Visa Signature® Card

    US Bank SKYPASS Visa Signature® Card

    Be the first to rate

    Annual Fee $80 Annual Fee
    Purchase APR 14.49% - 21.49%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 14.49% - 21.49%
    (Variable APR)
        0% 29% Variable APR
    Credit Score Range 700 - 850     300 850
    US Bank SKYPASS Visa Classic® Card

    US Bank SKYPASS Visa Classic® Card

    Be the first to rate

    Annual Fee $50 Annual Fee
    Purchase APR 14.49% - 21.49%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 14.49% - 21.49%
    (Variable APR)
        0% 29% Variable APR
    Credit Score Range 700 - 850     300 850
    US Bank Secured Visa Card

    US Bank Secured Visa Card

    Be the first to rate

    Annual Fee $29 Annual Fee
    Starting Purchase APR 20.49% Starting Variable APR
    Starting Balance Transfer APR 20.49% Starting Variable APR
    Credit Score Range 300 - 640     300 850
    US Bank Cash 365

    US Bank Cash 365

    Be the first to rate

    Annual Fee $0 Annual Fee
    Purchase APR 15.99% - 25.49%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 15.99% - 25.49%
    (Variable APR)
        0% 29% Variable APR
    Credit Score Range 650 - 850     300 850
    Polaris® Visa® Card

    Polaris® Visa® Card

    Be the first to rate

    Annual Fee $0 Annual Fee
    Purchase APR 15.99% - 24.99%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 15.99% - 24.99%
    (Variable APR)
        0% 29% Variable APR
    Credit Score Range 700 - 850     300 850
    Browse Personal Credit Cards

    SuperMoney

    Goals

    Expert Guides

    Partner with us

    SuperMoney

    Goals

    Expert Guides

    Partner with us

    Go to homepage

    Copyright 2019 SuperMoney, LLC. All rights reserved.

    NMLS Consumer Access ID #1520999

    SuperMoney Advertiser Disclosure

    *SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us. 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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products.

    We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

    † To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.