Ralphs Rewards World Mastercard® Benefits

Earn free groceries faster1

  • 1 point per eligible net $1 spent anywhere1 Mastercard is accepted
  • 2 points per eligible net $1 spent in the Kroger Family of Companies (excluding fuel centers)
  • 3 points per eligible net $1 spent on the Kroger Family of Companies Own Brand Products

Every 1,000 Points = $5 in free groceries.

Additional Card Benefits
Here’s See how much you can earn every 3 months by spending:
You spend...Ralphs Rewards World
Mastercard® points earned
$70/wk. on groceries2 1,680
$60/wk. on our family of products 2,160
$150/wk. at restaurants and other retailers 1,800
$100/wk. on fuel1 1,200
$250/month on bills 750
$500 on travel 500
Total points earned
Chart represents sample points only.
8,090 = $40
in free groceries
You earn $40 in free groceries just by using
your Ralphs Rewards World Mastercard®
that's $160 per year!
Travel Assistance Services.3 Provides pre-trip destination information such as visa/passport requirements, immunization, and help with lost/stolen travel documents and luggage. Also provided are referrals to a network of physicians, arranging hospital transfers, and referrals to attorneys, local embassies and consulates, if you are traveling more than 100 miles from home.

MasterRental® Car Rental Collision Damage Waiver Insurance.3 Pays for covered damages (physical damage and theft) to a rental vehicle when your eligible Mastecard is used to initiate and pay for the entire rental transaction.

Mastercard Global Service. Get assistance virtually anytime, anywhere with your card related questions. Call 1-800-MC-ASSIST or 1-800-622-7747. Mastercard Global Services helps you with reporting a Lost or Stolen Card, obtaining an Emergency Card Replacement or Cash Advance, finding an ATM location, and answering questions on your account.

Zero Fraud liability.4 Pay only for purchases which you have authorized on your Mastercard. Unauthorized purchases are not your responsibility. Conditions and exceptions apply.

24-Hour Cardmember Service.
Satisfaction Guarantee.3 If you become dissatisfied with a product you purchase, and the store will not accept a return, you may be eligible for a refund for the cost of the product up to $250.

Purchase Assurance.3  Provides coverage for most items you purchase with your eligible Mastercard if the item is damaged or stolen within 90 days of the date of purchase.

Identity Theft Resolution Services.3 Assists you with credit bureau notification and credit card replacement, and provides you with an ID Theft Affidavit should you become the victim of Identity Theft.

Warranty Manager Service.3  Protect and manage important purchases made with your Mastercard. Please see your Guide to Benefits for more information.

Automatic Bill Payment Grow your rewards even faster when you take advantage of this easy and fast way to pay bills online.

Manage your Account. Online Banking allows you to view your transactions and much more.


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U.S. Bank may change APRs, fees and other Account terms in the future based on your experience with U.S. Bank National Association as provided under the Cardmember Agreement and applicable law.

The creditor and issuer of the Ralphs Rewards World Mastercard® 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.

 ©2018  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 are eligible for Rewards Points, such as Advances, Balance Transfers, and Convenience Checks. You may not redeem points, and you will immediately lose all of your points, if your Account is closed to future transactions (including, but not limited to, Program misuse, failure to pay, bankruptcy, or death). Purchases made at The Kroger Family of Companies Fuel Centers do not earn Rewards Points. Rewards 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.
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2 Calculation doesn’t include Kroger Family of Brands purchases.
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3 Certain terms, restrictions and conditions apply. Refer to your Mastercard "Guide to Benefits" terms for details and to determine if the auto rental coverage is right for you.
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4 U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.
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