Ralphs rewards plus Visa® Card

• Manage My Card
• Rewards Calculator
• Apply Now
• About rewards

Earn Double Points With the Ralphs rewards plus Visa® Card you can earn double points on everyday shopping at Ralphs Special Intro APR 0% Intro APR3 for 9 billing cycles for all purchases and balance transfers. After that, a variable rate of 13.99%, 18.99% or 23.99% applies3. REWARDS Calculator You can earn unlimited rewards with the Ralphs rewards plus Visa® Card.  Watch how quickly your points add up.

1- Limited time only. Subject to credit approval. Must activate and use your Ralphs rewards plus Visa^® Card for 2,000 bonus point offer to be valid.

2- Earn points on net spend towards free groceries excluding purchases made at Kroger Family of Stores Fuel Centers. Rewards Certificates cannot be redeemed at Fuel Centers. Subject to availability. Please see store for in-store spending requirements and program details.

3 - 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. Thereafter the APR may vary and as of December 2011, 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.