The Ralphs Rewards World Mastercard® gives you unlimited rewards. Every 1,000 points = $5 in free groceries.

1

1 Rewards Point per eligible net $1 spent anywhere1 Mastercard is accepted.

2

2 Rewards Points per eligible net $1 spent in Ralphs and all Kroger® Family of Companies (excluding fuel centers).

3

3 Rewards Points per eligible net $1 on the Ralphs and Kroger Family of Companies Own Brand Products.

Ralphs Rewards World Mastercard® benefits

Earn $50 cash back when you apply for the Ralphs Rewards World Mastercard®, get approved and make your first purchase with your Ralphs Rewards World Mastercard®2

Earn free groceries with every eligible net purchase.1

Apply Now

Earning Rewards1

Here's an example of what you could earn during a typical 13-week Reward rebate cycle.
Outside Our Stores 1 point per eligible net $1 spend

You Spend: $250 for new tires for your car

You Earn: 250 Rewards Points

Inside Our Stores 2 points per eligible net $1 spend

You Spend: $300 for groceries and other purchases in our stores3

You Earn: 600 Rewards Points

On Ralphs or Kroger Family of Brands 3 points per eligible net $1 spend

You Spend: $75 on our brand products

You Earn: 225 Rewards Points

Kroger Family of Brands: Home Sense | Simple Truth | Private Selection
Additional Kroger Family of Brands

Total Points for 1 Month 1,075 Rewards Points = $5 Rewards

Travel Benefits

Travel Assistance Services.4 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.4 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.

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

Purchasing Power

Satisfaction Guarantee.4 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.4 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.4 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.4 Protect and manage important purchases made with your Mastercard. Please see your Guide to Benefits for more information.

Skip to Legal Disclosures

Site Map

U.S. Bank 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.

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.

©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.
Return to Text
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.
Return to Text
3 Calculation doesn’t include Ralphs and Kroger Family of Brands purchases.
Return to Text
4 Certain terms, restrictions and conditions apply. Refer to your Mastercard card "Guide to Benefits" terms for further details and to determine if the auto rental coverage is right for you.
Return to Text
5 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.
Return to Text