Use your for a Ralphs Rewards World Mastercard® to boost your budget.

Save on groceries each time you spend. Fill up your fridge for less than you thought. Read our FAQs to find out more about the Ralphs Rewards World Mastercard® - and see where your savings could take you.

Savings on fuel and groceries

How to Apply

We are working on exciting and new improvements to the Harris Teeter REWARDS World Mastercard® credit card, applications are temporarily unavailable. Please come back after Monday, October 26th to see the changes we’ve made and apply for your new credit card so you can start earning cash back!
Yes. If you do not currently have a Ralphs rewards card number with your Ralphs store, one will be assigned to you.
Yes. Plus, you can request to add an authorized signer to your Ralphs Rewards World Mastercard® account so your spouse can use the card too.
Please call 800-947-1444 and choose option 1 for the status of an application. For your security, you will be required to enter your social security number to locate the application. Additional verification item(s) may be needed to validate.
In most cases, when applying online you will receive the status of your application immediately. If you're approved, your card will arrive in 7-10 business days. Length of time varies depending on individual credit status, address verification and card processing time.

Member Benefits

Visit our Ralphs Rewards World Mastercard® benefits page to learn more.
Visit our Ralphs Rewards World Mastercard® benefits page to learn more.
No. There is no cap on Ralphs Rewards World Mastercard® points.
You can view your points accumulated with your Mastercard card on your Ralphs Rewards World Mastercard® monthly statement or log in to Online Banking. Once in Online Banking click on 'Rewards Center'. You can also call 1-844-237-0595.
Ralphs Rewards World Mastercard® points are earned at time of purchase and will be reflected on your account after the transaction posts. You can view pending Ralphs Rewards World Mastercard® Points pending since last statement date in Online Banking. Learn more about Online Banking. Get a $5 rewards certificate for every 1,000 points you collect.
Get a $5 Rewards certificate for every 1,000 points you collect. Rewards certificates are issued four times a year and mailed to customers in February, May, August and November.
You can redeem your Rewards certificates at any of the Ralphs stores. Subject to change.
Your Rewards certificates must be redeemed within one year of the date on the certificates. Subject to change.
Rewards certificates have no cash value and may only be used to purchase selected merchandise at the Ralphs stores. Purchases must exceed the value of your Rewards certificates, as we cannot give you cash back. Subject to change.
Because you earn Ralphs Rewards World Mastercard® points for purchases, the points you earned for a purchase you return will be subtracted from your point total.

Basic Card Facts

No. You can use the Ralphs Rewards World Mastercard® anywhere Mastercard is accepted. However, you do earn extra points by shopping at Ralphs.
Yes. You can use your Ralphs Rewards World Mastercard® for cash advances at ATMs that accept Mastercard Credit Cards. Cash advances do not earn Ralphs Rewards World Mastercard® points.
The APR is competitive for credit cards that offer rewards. Keep in mind that you pay no interest on purchases if you pay your bill in full by the payment due date.
You can access your Ralphs Rewards World Mastercard® account from any Internet-enabled computer.
Learn more about Online Banking.

Additional Questions

Please visit our About Enrolling page to learn more about enrolling your account into Online Banking.