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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

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Highlights
Highlights
Community Rating

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Purchase APR  (Variable APR) 11.99% - 23.99%
Balance Transfer APR  (Variable APR) 11.99% - 23.99%
Credit Score Range 640 - 850
Annual Fee $0

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
  • Generous reward rate. You will get a a rewards rate of 3 points per dollar spent.
  • Earn 1 point for every dollar spent on everyday purchases. Terms and conditions apply.
  • Signup bonus. Offers a signup bonus of $50 if you spend $1.
  • Competitive APRs. Ralphs Rewards World Mastercard has a variable purchase APR that ranges from 11.99% up to 23.99%.
  • 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 up to 4% on balance transfers. For example, a balance of $1,000 could cost up to $40 in transfer fees. The minimum fee is $10.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as purchase protection, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.
Ralphs Rewards World Mastercard Pros & Cons
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.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Ralphs Rewards World Mastercard reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • 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 Rewards World Mastercard FAQ

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) 1%
Max rewards rate 3%
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:

  • No blackout dates when redeeming miles
  • 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 11.99% up to 23.99%. 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 25.24% .

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 on balance transfers?

No, Ralphs Rewards World Mastercard does not come with an introductory APR offer for balance transfers.

Does Ralphs Rewards World Mastercard have an introductory APR offer on new purchases?

Ralphs Rewards World Mastercard does not offer an introductory rate on new purchases.
Ralphs Rewards World Mastercard Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Ralphs Rewards World Mastercard?

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%
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.

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...
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.

Availability

  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.
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 4%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $2
Returned Payment Fee Up to $35
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • 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
  • Fraud Liability
  • Purchase Protection
  • Travel Assistance
  • Emergency Support
Bonus Rewards $50 cashback after first purchase.
No Reward Expiration Period  
No Blackout Dates  
Rewards Rates
  • Every Purchase
  • Groceries
Signup Bonus $50
Rewards Type Points
Security Deposit $0
Cash Advance APR (Variable APR) 25.24%
Balance Computation average daily balance
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 11.99% - 23.99%
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

 

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SUPERMONEY NET RECOMMENDATION SCORE

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-100% 0% +100%
No one recommends Everyone recommends

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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