Sign up for a Ralphs Rewards World Elite 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 Elite Mastercard® - and see where your savings could take you.

Savings on fuel and groceries

How to Apply

Apply online for the Ralphs Rewards World Elite Mastercard®. or call 888-387-4197 to apply by phone.
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 Elite Mastercard® account so your significant other 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 Elite Mastercard® benefits page to learn more.
Visit our Ralphs Rewards World Elite Mastercard® benefits page to learn more.
You can view your points accumulated with your Mastercard card on your Ralphs Rewards World Elite 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 Elite 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 Elite Mastercard® Points pending since last statement date in Online Banking. Learn more about Online Banking. Every 1,000 Rewards Points earned, will be worth a $10 reward.
Once you have earned at least 1,000 Rewards Points ($10), you have the option to redeem for a statement credit or Real-Time Rewards. Once you have earned at least 2,500 Rewards Points ($25), you have the option to redeem for a $25 Kroger Family of Companies Gift Card.
Log into your Online Banking Account and click on Rewards tab to access the Rewards Center homepage. From there you will be able to choose how you would like to redeem your rewards. You can also enroll in Real-Time Rewards at this site and, once enrolled, you’ll be able to instantly redeem earned rewards after making qualifying Kroger Family of Store purchases. You will receive a text with the option to redeem if your rewards balance is at least 1,000 Rewards Points $10 and your Kroger Family of Companies purchase amount is also at least $10.  Reply to the text with “Redeem” to use your earned rewards as a statement credit for the purchases.
Yes! If you prefer, please call us at the number at the back of the card to redeem your rewards once you have earned at least 1,000 Rewards Points ($10).
Because you earn cash back/Rewards Points for purchases, the cash back/rewards 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 Elite Mastercard® anywhere Mastercard is accepted. However, you do earn 2% cash back by shopping at the Kroger Family of Companies.
Yes. You can use your Ralphs Rewards World Elite Mastercard® for cash advances at ATMs that accept Mastercard Credit Cards. Cash advances do not earn Rewards Points and may incur a fee.
The APR is competitive for credit cards that offer rewards. Keep in mind that you pay no interest View Terms and Conditions. on purchases if you pay your bill in full by the payment due date.
No, you save money by paying no annual fee View Terms and Conditions..
You can access your Ralphs Rewards World Elite 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.
Contact 24-hour Cardmember Services with any questions about your card.