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  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.

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1 user recommends
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1 user doesn't recommend
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Highlights
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Community Rating

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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...
  • 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

     

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