USES

Ralphs Rewards World Elite Mastercard® Review

Ralphs Rewards World Elite Mastercard® from US bank — all information about the credit card.

Updated December 20, 2023
Advertiser Disclosure Our Methodology
US bank Ralphs Rewards World Elite Mastercard®
Apply now
Our Rating:
4.51 out of 5
scorer
Recommended credit score
Good (670-739)
  • Rewards Rate:
    • 5% Cash Back on mobile wallet purchases for the first $3,000, then 1% thereafter.
    • 3% Cash Back on dining and fuel for the first $6,000, then 1% thereafter.
    • 2% Cash Back at Ralphs (or any of the Kroger’s Family of Brands).
    • 1% Cash Back on all other purchases (outside the Kroger’s Family of Brands).
  • Intro Offer:
    • $100 In Statement Credits when you apply, get approved and spend $500 on your Ralphs Rewards World Elite Mastercard® on eligible purchases in the first 90 days.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    19.24% - 29.99% Variable
  • Balance Transfer APR:
    19.24% - 29.99% Variable
Show more

We recommend more cards

Quicksilver Capital One
Capital One Quicksilver Cash Rewards Credit Card
None
Annual Fee
19.99% - 29.99%
Regular APR
5%
Cash Back on hotels and rental cars booked through Capital One Travel.
Learn more
on our partner’s site
Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
1.5%
Cash Back on payments.
Apply now
On Upgrade‘s website
Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
3%
Cash Back on Home, Auto and Health categories.
Apply now
On Upgrade‘s website
Apply now

Ralphs Rewards World Elite Mastercard® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
5%
Other mobile wallet purchases
$
3%
Dining
$
3%
Gas
$
2%
Ralphs purchases
$
1%
All other purchases
$
Have you already recieved the US bank intro bonus?
Calculate
Show less details

All benefits

  • Cash back
    • 5% On mobile wallet purchases for the first $3,000, then 1% thereafter.
    • 3% On dining and fuel for the first $6,000, then 1% thereafter.
    • 2% At Ralphs (or any of the Kroger’s Family of Brands).
    • 1% On all other purchases (outside the Kroger’s Family of Brands).

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 19.24% - 29.99% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 19.24% - 29.99% Variable
  • APR for Cash Advances
    • 29.99% Variable
  • How to Avoid Paying Interest
    • Your due date is 24 - 30 days after the close of each billing cycle. You will not be charged interest on purchases if you pay your entire balance by the due date each month.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either 4% of the amount of each transfer or $10 minimum, whichever is greater
  • Fees for Cash Advances
    • Either 5% of the amount of each advance or $10 minimum, whichever is greater
  • Return Payment
    • Up to $41
  • Late Payment
    • Up to $41
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • No Foreign Transaction Fee
Cons:
  • No Intro APR period

Features

Classic
Mastercard
Contactless
  • No Annual Fee
  • No foreign transaction fees
  • Cashback
  • Payment Flexibility
  • Rewards
  • Good Credit

About the issuer

US bank
US bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

Fair credit
QuicksilverOne Capital One
Capital One QuicksilverOne Cash Rewards Credit Card
3.6 out of 5
Recommended credit score
score
Fair to Good (580-739)
  • $39
    Annual Fee
  • 29.99%
    Regular APR
  • 1.5%
    Cash Back on every purchase.
  • None
    Purchase Intro APR
Learn more
on our partner’s site
International students
Quicksilver Student Cash Rewards Capital One
Capital One Quicksilver Student Cash Rewards Credit Card
3.43 out of 5
Recommended credit score
score
No Credit History
  • None
    Annual Fee
  • 19.99% - 29.99%
    Regular APR
  • 1.5%
    Cash Back on all purchases.
  • None
    Purchase Intro APR
Learn more
on our partner’s site
Capital One Spark Cash Select for Excellent Credit
Capital One Spark Cash Select for Excellent Credit
5 out of 5
Recommended credit score
score
Excellent (740-799)
  • None
    Annual Fee
  • 18.49% - 24.49%
    Regular APR
  • 5%
    Cash Back on hotels and rental cars booked through Capital One Travel.
  • None
    Purchase Intro APR
Learn more
on our partner’s site

See Another Credit Cards in the Bank

US bank Ralphs Rewards World Elite Mastercard® is an option for those, who need Classic features. With an APR of 19.24% - 29.99% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good (670-739) credit score. With US bank Ralphs Rewards World Elite Mastercard® you will get such features as No Annual Fee, No foreign transaction fees, Cashback, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

Another popular cards for you
Best for Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use
SavorOne Rewards Capital One
Capital One SavorOne Cash Rewards Credit Card
4.27 out of 5
Recommended credit score
scorer
Excellent (740-799)
  • None
    Annual Fee
  • 19.99% - 29.99%
    Regular APR
  • 5%
    Cash Back on hotels and rental cars booked through Capital One Travel.
  • 0% Introductory APR for the first 15 months that your account is open
    Purchase Intro APR
Learn more
on our partner’s site