The Ralphs Rewards World Mastercard has an introductory offer of: $50 bonus cash when you charge your card for the first time. This bonus isn’t every eye catching when you compare it to other credit card bonus offers out there.
Using the Ralphs Rewards Card, you will be able to gain points for free grocieries. They have 3x points for Ralphs and Kroger brand items, 2x points for other Ralphs and Kroger store expenses, and 1x points for all other purchases.
If you aren’t a normal Ralphs or Kroger shopper, then you should consider getting a non-branded credit card instead.
Ralphs Rewards Card Quick Facts
| Bonus Available | Receive $50 cash back when you apply, get approved and make your first purchase. |
| Ongoing Rewards/Benefits | Gain 3 points for each $1 used towards Ralphs and Kroger brand items.
Receive 2 points for each $1 used towards other Ralphs and Kroger store purchases. Get 1 point for each $1 used towards other expenses. |
| Foreign Transaction Fees? | None |
| Annual Fee | $0 |
Recommended Free Credit Score (Get Free Score)
690 – 850 (Good – Excellent)
*This card is issued by U.S. Bank. Compare this card to other credit card offers.*
Pros
- No annual fee
- Bonus cash
- Simple rewards
- No foreign transaction fees
Cons
- Low points value
- Minimum redemption requirements
- Limited to Ralphs and Kroger redemptions
Editor’s Alternate Pick
 The Blue Cash Everyday® Card from American Express offers $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.24% to 29.24% variable APR. You'll earn: • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. • 1% back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. There are no annual fees with this card (See Rates & Fees). Terms Apply. |
Ralphs Reward Card $50 Cash Bonus Offer
Make use of the Ralphs Rewards card’s introductory offer of: $50 bonus cash. This will come to you as a statement credit. You have to charge your card for the first time to be able to qualify for this offer. There aren’t any spending or time limitations placed on this card.
Earning Ralphs Rewards
Gain about 1-3 points for each $1 used towards qualifying expenses with your Ralphs Rewards card such as:
- 3x points for all qualifying purchases for Ralphs and Kroger brand items.
- 2x points towards eligible expenses in Ralphs and Kroger stores (not including brand items).
- 1x points on all expenses out of Ralphs and Kroger stores (not included their gas stations).
There won’t be any limitations to the amount of points you will be able to gain.
Redeeming Ralphs Rewards
When you cash in about 1,000 rewards points, you will receive a $5 check. In other words, every Ralphs Rewards point will be worth about $0.005. This is a little under the average of $0.01 for each point for other credit card brands.
Your reward checks will be cut at least 4 times a year, when you’ve built up at least 1,000 reward points. You’ll be able to use these checks in Ralph or Kroger stores to purchase groceries and other products.
However, if you haven’t accumulated enough points to redeem, then your points will stay put in your account for no more than 24 months.
Bottom Line
The Ralphs Rewards World Mastercard would only be a good card for you if you’re a regular shopper at Ralphs or Kroger. If you aren’t a frequent shopper at these retailers, then you should look into a non-branded rewards credit card that has better options suited for you.
(Visit Ralphs Mastercard for more information)
What’s the Competition?
There are some of Ralphs Rewards World Mastercard’s top competitors listed below.
The Blue Cash Everyday® Card from American Express offers $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.24% to 29.24% variable APR. You'll earn: • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. • 1% back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. There are no annual fees with this card (See Rates & Fees). Terms Apply. |
 The Capital One Savor Cash Rewards Credit Card offers a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; variable APR after that; balance transfer fee applies You'll earn: • 3% Cash Back at grocery stores (excluding superstores like Walmart and Target), on dining, entertainment and popular streaming services. • 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). • 8% Cash Back on Capital One Entertainment purchases. • 1% Cash Back on all other purchases. This card comes with no annual fee and no foreign transaction fees. |
 The Chase Freedom Unlimited® Card offers a $250 bonus after spending $500 on purchases in your first 3 months from account opening. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. In addition, you can earn: • 6.5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase TravelSM, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open. This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM. Member FDIC |
