Earn DOUBLE POINTS** when you shop with the Ralphs rewards plus Visa® Card at Ralphs!
When you shop with the no annual fee† Ralphs rewards plus Visa® Card, you can earn double points on the purchases you already make every day at Ralphs. The more you shop the more you earn! Every 1,000 points earns you a $5 Rewards Certificate that is automatically sent every quarter for you to redeem at checkout. It’s that easy! See how your everyday spending adds up with our Rewards Calculator.
How You Earn Rewards Certificates
- 1 Point per net $1 you spend outside our stores.
- 2 Points per net $1 you spend inside our stores.
- 3 Points per net $1 you spend on our family of store brand products.
Every 1,000 Points = $5 Rewards Certificate
Special Intro APR
0% Intro APR† for 9 billing cycles for purchases and balance transfers. After that, a variable APR, currently 13.99%, 18.99% or 23.99%†, applies.
* Limited time offer. Subject to credit approval. Must activate and make your first purchase with your Ralphs rewards plus Visa® Card in our stores for $20 coupon to be valid. Coupon valid for 90 days. Coupon is provided on card carrier that accompanies credit card. Coupon only applicable for new Ralphs rewards plus Visa® Card Accounts.
** Earn points on net spend (purchases minus credits and returns)toward free groceries, excluding purchases made at Kroger Family of Stores Fuel Centers. Reward Certificates cannot be redeemed at Fuel Centers. Rewards sent automatically only to point balances greater than or equal to 1,000 points.
† The 0% introductory APR applies to purchases and the rate is valid for the first nine billing cycles. The 0% introductory APR applies to Balance Transfers made within 30 days of account opening and is valid for the first nine billing cycles. The 0% introductory APR does not apply to Cash Advances and other Advances as defined in the Cardmember Agreement. Thereafter the APR may vary and as of April 2013, the undiscounted variable APR for Purchases and Balance Transfers is 13.99%, 18.99% or 23.99% (based on your creditworthiness). The variable APR for Cash Advances is 25.24%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience check fee: 4% of each check amount, $10 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee: 4% of each transfer amount, $10 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 2.8% of each foreign purchase transaction or foreign ATM advance transaction. We apply your minimum payment to balances with lower APRs first. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association ND and its affiliates as provided under the Cardmember Agreement and applicable law.
The creditor and issuer of the Ralphs rewards plus Visa® Card is U.S. Bank National Association ND, pursuant to a license from Visa® U.S.A. Inc.