Ralphs Rewards World Mastercard
Would you recommend Ralphs Rewards World Mastercard to your friends?
| 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 $10.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 640.
Pros & Cons of Ralphs credit card
| The Good | The Bad |
|---|---|
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Ralphs credit card FAQ
Does Ralphs credit card have a cash back or rewards program?
Ralphs credit card is a rewards card.
| Minimum rewards rate | 1x |
| Max rewards rate | 3x |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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
| 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.
Contact
- Headquarters
-
800 Nicollet Mall
Minneapolis, MN 55402 USA - (800) 872-2657
- Visit Site
- Email Support
Other Services by U.S. Bank
Other Credit Cards by U.S. Bank
Availability
- 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 |
Ralphs Rewards World Mastercard Community Reviews
Would you recommend Ralphs Rewards World Mastercard to your friends?
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