Ralphs rewards plus Visa® Card
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Earn FREE GROCERIES FASTER
Earn everyday rewards for everyday shopping** everywhere Visa® is accepted, when you use the Ralphs rewards plus Visa® Card | |
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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†. | |
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REWARDS Calculator
You can earn unlimited rewards with the Ralphs rewards plus Visa® Card. Watch how quickly your points add up. | | |
*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 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. Your 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 March 2012, 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 finance 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., and the card is available to United States residents only.