Ralphs Rewards World Mastercard Review

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

Key Takeaways

• No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
• Up to 1% on every day purchases. This is what most credit cards offer in rewards on every day purchases.
• Signup bonus. Offers a signup bonus of $50 if you spend $1.
• Competitive APRs. Ralphs Rewards World Mastercard has a variable purchase APR of up to 25.99%.
• Great for travel. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, purchase protection, travel assistance, and fraud protection.

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® Lower than average purchase APRs. No annual fee. Multiple credit card perks. No foreign transaction fee. Earn rewards on every purchase. Ralphs Rewards World Mastercard reports to multiple credit bureaus. Cardholders can earn rewards on their purchases. Offers auto rental collision damage waiver. Extended warranty protection on purchases. Purchase Protection. Travel Assistance.

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

What are the Ralphs Rewards World Mastercard benefits?

Ralphs Rewards World Mastercard provides the following benefits:

• Auto Rental Collision Damage Waiver
• Extended Warranty Protection
• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Ralphs Rewards World Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Ralphs Rewards World Mastercard has lower than average purchase APRs.

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.

Ralphs Rewards World Mastercard Balance Transfers

Description
Balance Transfer APR	13.99% - 25.99%
Introductory Rate	N/A
Intro APR period (months)	N/A

Ralphs Rewards World Mastercard Rates & Terms

Description
Balance Computation	average daily balance
Purchase APR	13.99% - 25.99%
Credit Limit	N/A
Penalty APR	0%
Cash Advance APR	Starting at 27.24%
Security Deposit	$0
Introductory Rate	N/A
Intro APR period (months)	N/A

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 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 Ralphs Rewards World Mastercard 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 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.