Ralphs makes it easy for you to earn rewards when you shop, with multiple options to help you pay the way you want. With the Ralphs REWARDS® World Mastercard®, Kroger REWARDS Debit Card and Ralphs REWARDS Prepaid Visa® Card you can pick the best payment option for you and your lifestyle.

Ralphs REWARDS® World Mastercard®

The Ralphs REWARDS® World Mastercard® is so much more than a credit card! Earn FREE groceries1 with rewards checks sent to you automatically 4 times a year. Plus, earn $50 cash back when you apply, get approved and make a first purchase with your Ralphs REWARDS® World Mastercard®.2

  • No annual fee!*
  • Grow your rewards even faster with automatic bill pay.
  • Anytime, anywhere assistance with Mastercard Global.
  • Travel assistance service helps with pre-trip destination information, such as visa and passport requirements, immunization and help with lost or stolen travel documents and luggage.
  • Worldwide acceptance at more than 1 million ATMs.

Learn More About the Ralphs REWARDS® World Mastercard®

Existing Cardmember? Manage Your Ralphs REARDS® World Mastercard®

Kroger REWARDS Debit Card

The Kroger REWARDS Debit Card is a rewards card and check card, all in one! Instead of writing a check, you simply swipe the Kroger REWARDS Debit Card, enter a PIN and the funds will be taken out of your checking or savings account within 1–5 business days. It’s the perfect card for rewarding you for shopping at The Kroger Co. Family of Stores.

  • Enjoy 50% MORE fuel points on grocery purchases every day.3
  • No annual fee! Plus, get exclusive offers like a 2% discount off Our Quality Brands, including Simple Truth®, Kroger® Brand and more.4
  • No paper checks or ID verifications — It links directly to your existing checking account...simply swipe and go.
  • PIN protected — just like a Debit Card.
  • Easy and secure — save time, earn fuel points and grocery rewards with one card swipe.

Apply Now For Kroger REWARDS Debit Card

Ralphs REWARDS Prepaid Visa® Card

The Reloadable Ralphs REWARDS Prepaid Visa® Card is a great alternative to cash and earns points towards free groceries inside our stores. Plus NO credit check, overdraft fees or bank account required!

  • Earn $5 for every 500 points5 you accrue
  • Get $10 when you sign up for Free direct deposit.6
  • Track your spending with our easy to use mobile app.
  • Use your card everywhere Visa is accepted including in store, online or to pay bills.
  • Reloading is easy through Direct Deposit, Recharge Card, Bank Account, PayPal, check or card to card.

Manage My Ralphs REWARDS Prepaid Visa® Card

Ralphs REWARDS® World Mastercard®

The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

©2019 U.S. Bank National Association. All rights reserved.

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information.

1 Earn Rewards Points toward free groceries. Rewards Points are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions qualify for Rewards Points, such as Advances, Balance Transfers, and Convenience Checks. Purchases made at The Kroger Family of Companies Fuel Centers do not earn Rewards Points. Rewards Certificates sent automatically only to balances greater or equal to 1,000 Rewards Points , if your Account is open and in good standing. Rewards Certificates cannot be redeemed at Fuel Centers. Upon approval, see your Cardmember Agreement for details.

2 For a limited time only. Subject to credit approval. Must submit application, be approved for the Ralphs Rewards World Mastercard® and make a first purchase with your Ralphs Rewards World Mastercard® to earn the $50 cash back. Offer only good for new Cardmembers only. The $50 cash back will be applied as a statement credit on your Account. Please allow 6-8 weeks after the first purchase for your statement credit to be awarded. A statement credit will appear on your Ralphs Rewards World Mastercard® billing statement. Account must be open and in good standing to receive this statement credit. Upon approval, please refer to your Cardmember Agreement for additional information.

*The APR may vary and as of 11/1/19, the variable APR for purchases and Balance Transfers are 13.49-25.49% (based on your creditworthiness). The variable APR for Cash Advances is 26.74%. 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. We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

Kroger REWARDS Debit Card

For more information, please review our Privacy Policy, Terms and Conditions, and Frequently Asked Questions.

3 You will earn points toward discounted fuel purchases when you use your Kroger REWARDS Debit Card to make eligible purchase s. Fuel discounts are available at The Kroger Co. Family of Stores Fuel Centers each time you redeem at least 100 existing and unexpired points. You will earn point s on eligible net purchases (eligible purchases (exclusive of taxes) minus returns and credits). When you use your Kroger Rewards Debit Card to make an eligible purchase, you will earn one (1) point for each one dollar ($1) of eligible net purchases you make as a Kroger Rewards Program participant and an additional point five (0.5) points for each one dollar ($1) of eligible net purchases because you used your Kroger REWARDS Debit Card to make the purchase. Points may take up to 48 hours after your purchase to be credited to your account. Points earned in any month will expire at the end of the next month and do not accumulate across months. Points are not redeemable for discounted fuel purchases where prohibited by law, including Louisiana & Missouri. This offer is subject to change as described in the Kroger Rewards Debit Card Terms and Conditions. See your Kroger Rewards Debit Card Terms and Conditions for more details.

4 You will earn a discount in an amount equal to 2% of the aggregate cost (exclusive of tax) of Our Quality Brand Products you purchase, when you use your Kroger REWARDS Debit Card to make the purchase. This discount will automatically be applied to and deducted from your next purchase made using your Kroger REWARDS Debit Card. Discounts may take up to 48 hours to be credited to your account. Visit Our Brands for a complete list of Kroger Our Quality Brands. This offer is subject to change as described in the Kroger Rewards Debit Card Terms and Conditions. See your Kroger Rewards Debit Card Terms and Conditions for more details.

Ralphs REWARDS Prepaid Visa®

The Ralphs REWARDS Prepaid Visa® Card is issued by U.S. Bank National Association, Member FDIC, pursuant to a license from Vi sa U.S.A. Inc.. It is not a credit card or a gift card. Monthly service fee and other fees apply. Visit ralphs.kpfprepaid.com for details.

5 Your account must be open and in good standing to earn points and redeem coupons. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Eligible net purchases do not include purchases made at the Kroger Family of Companies Fuel Centers, lottery tickets, Gift Cards, Money Orders, Recharge Card™, prescriptions, on any applicable fees or taxes, or when you purchase alcohol or tobacco at a Kroger Family of Companies location. You may not redeem Rewards, and you will immediately lose all of your Rewards if the Card account is closed for any reason (including, but not limited to, due to Program misuse, bankruptcy, or death). Points expire 24 months from month issued. Electronic coupons expire 12 months from issue date. Rewards program is subject to change without notice. See your Cardholder Agreement for details.

6 One-time $10 credit will be applied within 30 days after a successful first direct deposit is made to a Reloadable Card account. Account must be open and in good standing at the time of the credit. Offer not valid for existing accounts receiving direct deposit.