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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 doesn't recommend
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Highlights
Highlights
Community Rating

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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
Rewards Rates
  • 1% on Every Purchase
  • 2% - 3% on Groceries

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

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
  • 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.

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 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 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 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.

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

Every Purchase (Points) 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.
Annual Fee $0
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
No Interest Grace Period for Late Payment 24
Over-Limit Fee $0
Balance Transfer Fee % 4%
Balance Transfer Fee Minimum $10
Cash Advance Fee (%) Starting at 4%
Cash Advance Fee Minimum $10
Late Fee Amount Up to $39
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $2
Returned Payment Fee Up to $35
Customer Type Personal
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
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Card Network
  • Mastercard
Card Type
  • Balance Transfer
  • Bonus Offers
  • Rewards
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Purchase Protection
  • Travel Assistance
Emergency Support  
Extended Warranty  
Fraud Liability  
Bonus Rewards $50 cashback after first purchase.
Rewards Rates
  • 1% on Every Purchase
  • 2% - 3% on Groceries
Signup Bonus $50
Cash Advance APR (Variable APR) Starting at 27.24%
Security Deposit $0
Purchase APR (Variable APR) 13.99% - 25.99%
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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