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Benefits
Earn cash back with the Ralphs Rewards World Elite Mastercard®.1
5% Cash back
on mobile wallet and Kroger Pay transactions2
on dining and fuel for the first $6,000, then 1% thereafter.
Inside of our Stores
Outside of our Stores
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Earn $100 in Statement Credits when you apply, get approved and spend $500 on your Ralphs Rewards World Elite Mastercard® on eligible purchases3 the first 90 days
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Earn Cash Back with every eligible net purchase1
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Refer a Friend and earn 2,000 Rewards Points. Get Started!
Travel & Lifestyle Benefits
As a World World Elite Mastercard® cardholder, gain access to Mastercard Travel & Lifestyle Services, a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in class travel companies across hotels, air travel, tours, cruises, car rentals and more.
No Foreign Transaction Fees6 on purchases made when you travel abroad or shop online in another country.
Lowest Hotel Rate Guarantee7 if you book a qualifying prepaid hotel rate through Mastercard Travel & Lifestyle Service and you find the same exact hotel stay for less, Mastercard will refund the difference.
Complimentary professional travel services.8 You have access to a Lifestyle Manager that will help you plan your vacation - complimentary, at your convenience. Call, email or live chat with a Lifestyle Manager 24/7/365 to help with all your travel.
Emergency Benefits
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.9 Pay only for purchases which you have authorized on your Mastercard. Unauthorized purchases are not your responsibility. Conditions and exceptions apply.
Enhanced Security
Mastercard ID Theft Protection™10
Mastercard ID Theft Protection (IDT) provides you with access to a number of identity theft resolution services, should you believe you are a victim of identity theft. This product offering will alert you about possible identity theft by monitoring the surface, dark and deep web, searching for compromised credentials and potentially damaging use of your registered personal information in order to detect fraud at its inception. Services provided are on a 24-hour basis, 365 days a year. You must enroll at: https://mastercardus.idprotectiononline.com.
Everyone wins with Friends
Earn even more when you share with your friends. Get bonus Rewards Points for yourself when you refer your Friends.
What you get
Earn an additional 2,000 Rewards Points for every Friend you refer who applies, is approved and makes a first purchase. No limits on the number of friends, so invite everyone.11
What your friend gets
Will earn a $100 statement credit once approved and makes their first purchase within the first 90 days.12