SuperMoney
  Ralphs Rewards World Mastercard
Ralphs Rewards World Mastercard Claimed

Ralphs Rewards World Mastercard

Claimed
Net Recommendation Score -33  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -33, equating to 2.3 on a 5 point rating scale.

-33

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  

Cast your vote

Would you recommend Ralphs Rewards World Mastercard to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 16.24% - 29.24%
(Verified 08/17/2022)
Balance Transfer APR  (Variable APR) 11.99% - 23.99%
Credit Score Range 640 - 850
Annual Fee $0

Ralphs Rewards World Mastercard Review

This is a rewards card issued by U.S. Bank. If you're wondering whether Ralphs credit card is the right card for you, read on.

Key Takeaways

  • Generous reward rate. You can get a rewards rate of up to 3 reward points per dollar spent.
  • Potential annual earning: 45,000 reward points. Potential annual rewards: $450 cash back.
  • Competitive APRs. Ralphs Rewards World Mastercard has a variable purchase APR that ranges from 16.24% up to 29.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 4% Balance transfer fee. Ralphs Rewards World Mastercard charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $10.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 640.

Pros & Cons of Ralphs credit card

The Good The Bad
  • 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®
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel assistance insurance
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Ralphs Rewards World Mastercard is accepted.
  • Ralphs Rewards World Mastercard reports to multiple credit bureaus.
  • Low points rewards beyond grocery purchases.
  • Purchases made at The Kroger Family of Companies Fuel Centers do not earn Rewards Points.
  • Charges a 4% balance transfer fee.

Ralphs credit card FAQ

Does Ralphs credit card have a cash back or rewards program?

Ralphs credit card is a rewards card.

Ralphs credit card Rewards
Minimum rewards rate 1x
Max rewards rate 3x
Annual rewards limit N/A
Signup Bonus ($) Starting at $50
Signup Bonus Spend Requirement $1

Does Ralphs credit card have a signup bonus?

Yes, it offers card users a signup bonus worth up to $50 after spending $1.

Does Ralphs credit card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Ralphs credit card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • No blackout dates when redeeming miles
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Ralphs credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.

Ralphs Rewards World Mastercard has a variable purchase APR that ranges from 16.24% up to 29.24%. The card has a variable balance transfer APR that ranges from 11.99% up to 23.99%. It also has a variable cash advance APR of 29.24% .

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

Does Ralphs credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Ralphs credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Ralphs credit card?

The following fees apply:

  • There is no overlimit fee
Ralphs credit card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $41
Late Payment Fee up to $41

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Ralphs credit card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Ralphs credit card?

The Ralphs credit card customer service number is (800) 872-2657.

What is the support contact email for Ralphs credit card?

The support contact email for Ralphs credit card is customer.support@usbank.com.

What is the Ralphs credit card login page?

You can access the Ralphs credit card login page here.

How do people rate the customer service and user experience of Ralphs credit card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Yes, 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 may help improve your credit.

How to apply for Ralphs credit card

  • Visit the Ralphs credit card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 5:30pm
  • 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 U.S. Bank

Icon for Credit Cards
View all credit cards offered by U.S. Bank

Other Credit Cards by U.S. Bank

Loading...

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Minimum Interest Charge $2
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Returned Payment Fee Up to $41
Late Fee Amount Up to $41
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Bonus Offer Potential annual earning: 45,000 reward points. Potential annual rewards: $450 cash back.
No Reward Expiration Period
No Blackout Dates
Rewards Rates
  • Groceries
  • Every Purchase
Signup Bonus Starting at $50
Security Deposit $0
Cash Advance APR (Variable APR) 29.24%
APR Type Variable APR
Balance Computation average daily balance
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 16.24% - 29.24%
(Verified 08/17/2022)
Balance Transfer APR (Variable APR) 11.99% - 23.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%
Card Type
  • Rewards
  • Balance Transfer
  • Bonus Offers
Card Network Mastercard

Ralphs Rewards World Mastercard Community Reviews

 

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
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -33, equating to 2.3 on a 5 point rating scale.

-33

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.

sorted by