Earn rewards with the
Ralphs Rewards World Elite Mastercard^®

Apply now for the Ralphs Rewards World Elite Mastercard® See if I'm pre-approved for the Ralphs Rewards World Elite Mastercard^®

Get a decision in as little as 60 seconds.

up to
5% Cash back

on mobile wallet and Kroger Pay transactions¹

3% Cash back

on dining and fuel for the first $6,000, then 1% thereafter.

2% Cash back

Inside of our Stores

1% Cash back

Outside of our Stores

Earn $50 statement credit when you apply, get approved and spend $500 on your Ralphs Rewards World Elite Mastercard^® on eligible purchases² the first 90 days.
Earn 2x Fuel Points³ and a FREE Next-Day Delivery Boost Essential Membership when you apply for the credit card, are approved, and complete your Boost enrollment.⁴
Earn Cash Back with every eligible net purchase.⁵
No annual fee View Terms and Conditions.

Calculate how quickly you earn CASH BACK!*

Enter what you spend monthly:

*Your yearly cash back is based on the estimated monthly spend input provided. The calculator is for illustrative purposes only as actual card usage may produce different results. Refer to the disclosures below for point redemption values.

Additional Benefits

Automatic Bill Payment

Grow your rewards even faster when you take advantage of this easy way to pay bills online.

Travel Assistance Services⁶

As a Ralphs Rewards 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.

Mastercard Global Service™⁶

Get assistance virtually anytime, anywhere with your card related questions.

Worldwide Acceptance

Use your card at more than 1 million ATMs worldwide.

See all benefits ›

Skip to Legal Disclosures

¹ Kroger Pay non-fuel transactions earn 5% cash back on the first $3,000 in purchases each calendar year and 2% on amounts above that. Kroger Pay transactions at Fuel Centers, combined with any dining and other fuel station transactions, earn 3% on the first $6,000 spent each calendar year and 1% on amounts above that. Mobile wallet transactions (excluding Kroger Pay) earn 5% on the first $3,000 in purchases each calendar year and 1% on amounts above that, regardless of where the transaction was made, including Kroger Family of Companies locations. Mobile Wallet transactions at Kroger Family of Companies Fuel Centers do not earn rewards. "Mobile wallet" means Apple Pay^®, Samsung Pay, Google Wallet^®, and Garmin Pay™. Unlike Google Wallet^®, Google Pay^® may not qualify as a mobile wallet and earn additional cash back, depending on how the transaction is completed. We cannot control how mobile wallet transactions are designated and reserve the right to determine which purchases qualify for additional cash back. If a Kroger Pay or Mobile Wallet transaction might also qualify as a rewards category transaction, then the card issuer has sole discretion on how to categorize the transaction. “Calendar Year” is defined as the period of time starting with your January statement (which may include transactions made in December) and running through your December statement (which may not include all transactions made in December).

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² Offer applies to new cardmembers only. For a limited time only. Subject to credit approval. Must submit application, be approved for the Ralphs Rewards World Elite Mastercard^® and spend $500 in net purchases within 90 days of account opening to automatically earn the $50 cash back. Net purchases are purchases minus credits and returns. The $50 cash back will be applied as a statement credit on your Account. Please allow 6-8 weeks after the promotion period for your $50 statement credit to be credited to your Account. Your Account must be open and in good standing to receive this bonus. Upon approval, please refer to your Cardmember Agreement for additional information.

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³ $1 in spending = 1 Fuel Point + 1 bonus Fuel Point on qualifying purchases made in-store, curbside pickup and delivery. Gift cards, adult beverage, tobacco products, pharmacy prescriptions, Booth Service, Kroger Ship, The Little Clinic, Fred Meyer Direct, Fred Meyer Jewelry, Vitacost, homechef.com, murrayscheese.com, Fuel purchases, Kroger Rush Delivery, Kroger Delivery Now, or receipt message survey invitations are excluded from Boost Fuel Points benefits. Fuel Points can be redeemed at participating fuel locations.

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⁴ Boost offer applies to new credit cardmembers who apply and are approved for the Kroger Family of Companies Rewards World Elite Mastercard^®. Must enroll for Boost Membership and provide payment information to activate your membership and receive free Boost Essential membership. If you choose the Same-Day $99/year Boost membership, you will receive a $69 waiver upon enrollment. If you close your Kroger Family of Companies Rewards World Elite Mastercard^® account, you will be charged for the annual Boost membership if you don’t cancel prior to the end of your membership period. An annual membership currently costs $69/year for the Boost Essential Membership and $99/year for the Same-Day Boost Membership, but the cost of the yearly membership is subject to change. You can cancel any time by visiting your membership page. If you decide to cancel, your current Boost benefits will be available until the end of your membership period. Only one free Boost Essential membership per household. Offer cannot be used for payment of current Boost membership. See The Kroger Family of Companies website for more information regarding Boost membership.

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⁵ Subject to credit approval. Cash Back rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Rewards expire after 36 months. Rewards are only available for redemption if your Account is open and in good standing (not past due or overlimit). Purchases qualify for cash back based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Rewards can be redeemed via Real-Time Rewards when you make an eligible purchase of $10 or more at Kroger Family of Companies or via statement credit when you have earned a minimum of 1,000 Rewards Points (worth $10). Rewards can be redeemed via Kroger Family of Companies Gift Cards when you have earned a minimum of 2,500 Rewards Points (worth $25). Upon approval, see your Cardmember Agreement for details.

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⁶ Certain terms, restrictions and conditions apply. Refer to your Mastercard "Guide to Benefits" terms for further details.

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Earn rewards with theRalphs Rewards World Elite Mastercard®

Calculate how quickly you earn CASH BACK!*

Additional Benefits

Automatic Bill Payment

Travel Assistance Services6

Mastercard Global Service™6

Worldwide Acceptance

Earn rewards with the
Ralphs Rewards World Elite Mastercard^®

Travel Assistance Services⁶

Mastercard Global Service™⁶