Ralphs Rewards World Elite Mastercard® (2024)

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 cardis 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.

©2024 U.S. Bank National Association. All rights reserved.

Account must be open and in good standing to earn and redeem rewards and benefits. Subject to credit approval. If approved, please refer to the Cardmember Agreement included with your card at the time of opening.

¹ 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.

² 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" is defined as the method of paying for transactions using Apple Pay®, Samsung Pay, Google Pay™, or Garmin Pay™. 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.

³ Offer applies to new cardmembers only. For a limited time only. Subject to credit approval. Must submit application, be approved for theRalphs Rewards World Elite Mastercard^® and spend $500 in net purchases within 90 days of account opening to automatically earn the $100 cash back. Net purchases are purchases minus credits and returns. The $100 cash back will be applied as a statement credit on your Account. Please allow 6-8 weeks after the promotion period for your $100 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.

⁴ $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.

⁵ 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 one-year Next-Day Boost membership. If you choose the $99/year Same-Day Boost membership, you will receive a $59 waiver upon enrollment. Upon expiration of free membership period, you will be charged for an annual membership unless canceled prior to the end of free membership period. An annual membership currently costs $59/year for the Next-Day Membership and $99/year for the Same-Day Membership, but the cost of the yearly membership is subject to change. You can cancel any time before the end of the first year of membership 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 membership per household. Current Boost members must re-enroll to redeem Boost membership and you will receive complimentary one-year membership in the Boost program after current Boost membership expires. $35 order minimum. Restrictions apply. Subject to availability. Delivery time not guaranteed. Offer cannot be used for payment of current Boost membership. See the Kroger Family of Companies website for more information regarding Boost membership.

⁶ The APR may vary, the variable APR for purchases and Balance Transfers is 19.24% to 29.99% (based on your creditworthiness). The variable APR for Cash Advances is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 4% of each check amount, $10 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 4% of each transfer amount, $10 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: $0.

⁷ Mastercard Lowest Hotel Rate Guarantee: If you book a qualifying "prepaid hotel rate" or "pay at local hotel rate" hotel stay through the Mastercard Travel & Lifestyle Services program either online or through an authorized program agent using your Mastercard and then find the same hotel room type, in the same hotel, for the same dates, the same number of children and adults, at a lower price online, before taxes and fees, we'll refund you the difference. To receive a refund, you must submit a claim as described in the Terms and Conditions prior to your stay and at least seventy-two (72) hours before the date of your reservation check-in.

⁸ Certain terms, conditions and exclusions apply. Visit https://travel.mastercard.com for full details. Mastercard Travel & Lifestyle Services are provided by Ten Lifestyle Management Ltd. No travel bookings are being made by Mastercard, nor is Mastercard acting as a travel agency or providing any travel consultation or advice, in connection with Mastercard Travel & Lifestyle Services.

⁹ 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.

¹⁰ Certain terms, conditions, and exclusions apply. Cardholders need to register for this service. This service is provided by Generali Global Assistance Inc. Please refer to your Guide to Benefits, visit mastercardus.idprotectiononline.com or call 1-800-MASTERCARD> (1-800-627-8372) for details.

¹¹ You cannot earn Refer a Friend 2,000 Bonus Rewards Points by referring someone who is already a Kroger Family of Companies Rewards World Elite Mastercard^® Cardmember or an applicant who has been referred by someone else. Please allow 6-8 weeks after the referred application is processed to receive confirmation of your Bonus Rewards Points. A bonus confirmation will appear in the Rewards section of your Kroger Family of Companies Rewards World Elite Mastercard^® statement. Your account must be open in good standing to be eligible for the bonus. Due to confidentiality, sponsors cannot be notified, either in writing or by phone, as to which referrals have been approved for the Kroger Family of Companies Rewards World Elite Mastercard^®. Should U.S. Bank determine that the referral bonuses you receive constitute reportable income, their value will be reported to you and the IRS on form 1099. You are responsible for any federal or state taxes owed on referral bonuses. Consult your tax adviser should you have questions about the taxability of this promotion.

¹² For new cardholders only. For limited time only. Subject to credit approval. Must submit application, be approved for the Kroger Family of Companies Rewards World Elite Mastercard^® and make a first purchase within the first 90 days with your Kroger Family of Companies Rewards World Elite Mastercard^® to earn the $100 statement credit. Please allow 6-8 weeks after the promotion period for your statement credit to be awarded. A statement credit will appear on your Kroger Family of Companies Rewards World Elite Mastercard^® billing statement. Your account must be open and in good standing to receive this bonus.