Ralphs Rewards Plus Visa® Card

The Ralphs Rewards Plus Visa® Card is a good card if you shop at Ralphs frequently. You’ll earn rewards for making purchases and get some good benefits.

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  • Rewards
    • Earn 3 points for every $1 spent at Ralphs store brand products
    • Earn 2 points for every $1 spent at Ralphs grocery stores
    • Earn 1 point for every $1 spent on all other purchases
  • Signup Bonus None
  • Chip Technology Chip-and-Signature & Chip-and-PIN
  • Foreign Transaction Fee 2.8%
  • Intro Balance Transfer APR 0% for 9 months
  • Regular Balance Transfer APR 13.99%-23.99% (Variable)
  • Cash Advance APR 25.24% (Variable)
  • Penalty APR -
  • Late Fee Up to $38
  • Returned Payment Fee Up to $35

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • $5 Rewards Certificate: For every 1,000 points earned.


  • Zero Fraud Liability: You will not be held responsible for unauthorized use of your card.


  • Auto Rental Collision Damage Waiver: Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined.
  • Roadside Dispatch: Help with travel emergencies like changing a flat, calling tow services and more.

Visa Benefits

  • This card comes with Visa benefits. You will be provided with a list of benefits available to you once you get approved for your card.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 2 reviews
by Parker Green
Useless - Terrible Rewards

This card sucks. Spend a thousand bucks basically and get five bucks back? It's completely worthless, even though I got it I still just use my Chase card here because I get way better rewards with just the cash back for that card than this one could ever get me. What a rip-off.

by teammoney.greatwebsitebuilder.com
What happened to the bonus from using the mailed statement insert to bring in new card holders?

I have had the Ralph's Rewards Credit Card for quite a while and enjoy the perks that come with it. Only question: How do I find out about how much I will get as a bonus from those who responded to my mail insert for new applicants who actually got approved? How do I inquire and whom do I contact? I asked the bank itself and even a representative at a promotional location within the grocery store and did not get a clear, concisive answer. I really would like to know so I can direct any proceeds forwarded to my account with the bank as soon as possible. What's your answer or experience? Anyone out there have the same question?

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