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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

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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
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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

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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.

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