If you have heard about the Kroger credit card or you frequently shop at the Kroger family of companies, chances are that you might have heard of ralphs rewards world Mastercard. The ralphs rewards world Mastercard is a card issued by a US bank and decked with great benefits that are good enough to make your daily purchases fun. As the name implies, it is a Mastercard which means that it is accepted anywhere Mastercard is accepted. Also, this card earns you rewards based on the fact that it is a reward card. So, if you are looking for a card that can give you limitless power rewards, it can be the ralphs rewards world Mastercard.
Meanwhile, ralphs is a proud member of the Kroger families of companies which means that this card is valuable everywhere in the Unites States. The Kroger family of companies includes such names such as Fred Meyer, QFC, fry’s ralphs and lots more with locations spanning the nation. In other words, users of ralphs Mastercard can also earn at any Kroger brands as well and not only at ralphs. The opportunity to earn points towards free ralphs groceries is a great benefit with this card. And which is going to encourage new applicants. However, the inability to earn points on gas purchases is somehow disappointing. Fred Meyer rewards world Mastercard which is also one of Kroger cards allows users to earn points for gas savings. The inability to do this with the ralphs rewards world master is a big letdown.
How Ralphs Rewards World Mastercard Works
Furthermore, the ralphs rewards world Mastercard gives you limitless reward as every 1,000 points is equivalent to $5 in free groceries. For every eligible net $1 spent anywhere Mastercard is accepted, you get one rewards points. While you get two rewards points per eligible net $1 spent in ralphs and at all Kroger family of companies. And per eligible net $1 on the ralphs and Kroger family of companies own brand products, you’ll get three rewards points. Besides, the ralphs Mastercard is a card with no annual fee which makes it acceptable by a lot of people. Also, there are no fees charged on foreign transactions. Its annual percentage rate for purchases is 11.99% to 23.99% based on your creditworthiness when you open your account. The APR will fluctuate based on the prime rate.
Another factor of the Ralphs Rewards World Mastercard is the APR for balance transfers which is also the same as that of purchases. APR also fluctuate based on the prime rate interest. For cash advances with Ralphs Rewards World Mastercard, interest on APR is 25.24% and the APR will vary with the prime rate interest. When you make a late payment, you could pay up to $40. Returned payment fees could also cost up to $35.
Benefits of Ralphs Mastercard
In addition, the ralphs rewards Mastercard issued by United States bank is a decent retail card that comes with magnificent benefits. While it charges no annual fees, it is also a good card for earning rewards. So, I will be outlining some of its benefits below;
- Ralphs Mastercard comes with an introductory bonus offers that is satisfactory to shoppers.
- When you use this card to make your first purchase, you get $50 statement credit.
- Kroger will automatically send a $5 reward once you earn 1,000 points.
- No annual fee as well as no foreign transaction fee.
- With your card, you earn free groceries with every eligible net purchase.
- On every eligible net purchase in ralphs stores, you get 5% cash back.
- One point for per eligible net $1 spent outside ralphs stores.
- Two points per eligible net $1 spent inside ralphs stores.
- Three points per eligible net $1 spent on ralphs and Kroger family of brands.
- Since it’s a Mastercard, it is globally accepted at over one million ATMs.
- You can grow your rewards faster with automatic bill pay.
- It comes with zero fraud liability. You are not responsible for any unauthorized purchase made with your card. You only pay for purchases you’ve authorized.
- Travel and road assistance benefits.
- No overlimit fee.
In addition, you also get to enjoy other benefits on the Ralphs Rewards World Mastercard such as Travel and road assistance benefits and No over-limit fee. With this card, you can gain a whole lot judging from the benefits above.
How to Apply for Ralphs Rewards World Mastercard
To apply and get approved for the ralphs rewards world Mastercard, you need to have a FICO credit score above 640. Thus, you can apply by following the steps below.
- Launch a web browser and visit the ralphs Mastercard official website.
- On the homepage, navigate the icon “Apply Now” and click on it.
- Start applying by entering your personal information which includes your first name, middle name [optional], last name, suffix, date of birth, social security number [SSN].
- Country of citizenship, primary phone number, mobile phone number, and email address.
- Housing information: physical address, suite/unit #, hosing status, and monthly payment.
- Income and employment information: employment status.
- Also provide information that includes total annual income, and source of total annual income.
- Add an authorized user if you want.
- Review and accept ralphs rewards Mastercard terms and conditions.
- Finally, click on the submit button below.
When you make an online application, you will get the status of your application instantly. When approved, you card will arrive in seven to ten working days. The length of time varies on applicant credit status, card processing time and address verification.
Ralphs Mastercard login
On the contrary, the Ralphs Mastercard login allows you to access your Ralphs credit card. To access your Ralphs Rewards World Mastercard account, follow the steps below;
- Visit the ralphs Mastercard website using the above link.
- Then, at the top right corner of the main page, click on the Login button.
- Enter your personal ID and password.
- Finally, click on the blue Login button.
With these steps, you can easily access your Ralphs Rewards World credit card account online. in other to make payments or pay bills, and lots more.