Ralphs Rewards World Elite Mastercard® Review
Ralphs Rewards World Elite Mastercard® from US bank — all information about the credit card.
Updated December 20, 2023
Apply now
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
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Ralphs Rewards World Elite Mastercard® Rewards Calculator
Your Results
Total yearly earnings
First year rewards
$268
Rest years rewards
$168
Annual fee
$0
Yes, Ralphs Rewards World Elite Mastercard® credit card is worth its annual fee!
How to maximize your Ralphs Rewards World Elite Mastercard® rewards?
Follow these simple steps to make the most of Ralphs Rewards World Elite Mastercard® credit card:
- Spend more on Other mobile wallet purchases
- Pay off your balance in full each month.
- Make a large purchases plan.
Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with Ralphs Rewards World Elite Mastercard®.
Your net profit in the first year
$268
x99
Your net profit in subsequent years
$168
x62
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You will receive $268 in the first year
Where you get the most profit
- Other mobile wallet purchases
- Dining
- Gas
- Ralphs purchases
- All other purchases
- Into bonus
Other mobile wallet purchases
$60
Dining
$36
Gas
$36
Ralphs purchases
$24
All other purchases
$12
Into bonus
$100
Total
$268
Annual fee
$0
Net yearly credit card profit
$268
You will receive $168 in the rest years
Where you get the most profit
- Other mobile wallet purchases
- Dining
- Gas
- Ralphs purchases
- All other purchases
Other mobile wallet purchases
$60
Dining
$36
Gas
$36
Ralphs purchases
$24
All other purchases
$12
Total
$168
Annual fee
$0
Net yearly credit card profit
$168
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
Pros & Cons
Pros:
- No Annual Fee
- No Foreign Transaction Fee
Cons:
- No Intro APR period
Features
- No Annual Fee
- No foreign transaction fees
- Cashback
- Payment Flexibility
- Rewards
- Good Credit
About the issuer
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
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