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Ralphs rewards plus Visa® Card Review

Ralphs rewards plus Visa® Card details

Balance Transfer Intro APR:
0% Fixed
Balance Transfer Intro Period:
9 billing_cycles
Purchase Intro:
APR:
0% Fixed
Period:
9 billing_cycles
Purchase APR:
13.99% - 23.99% Variable
Annual Fee:
None
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Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 10.74 - 20.74
 10.74 - 20.74
 21.99
APR:
  13.99% - 23.99% Variable
 13.99% - 23.99% Variable
 25.24% Variable
APR Floor:
 None
 None
 None
Intro Rate:
 0% Fixed
 0% Fixed
 None
Intro Period:
 9 billing_cycles
 9 billing_cycles
 None


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 
Penalty/Default Trigger:
 

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 2.80%
Late Fee:
 N/A
Over-the-limit Fee:
 None
Balance Transfer Fee:
4% ($10 min. )  


Notes:

Rebate Description:
 1 point per net $1 spent anywhere Visa Cards are accepted. 2 points per net $1 spent at Ralphs grocery stores. 3 points per net $1 spent on Ralphs store brand products. Earn free groceries faster. Rewards are sent automatically every quarter. Get a $5 rewards certificate for every 1,000 points you collect.
Special Notes:
 APR for Balance Transfers: 0% introductory APR for the first 9 billing cycles for balances transferred within 30 days from account opening; after that, 13.99% to 23.99% based on your creditworthiness. You will not be charged interest on Purchases if you pay your entire balance by the due date each month. Balance Transfer Fee: Either 4% of the amount of each transfer or $10 minimum, whichever is greater. Cash Advance and Cash Advance ATM: Either 4% of the amount of each advance or $10 minimum, whichever is greater. Foreign Transaction Fee: 2.8% of each foreign transaction. Returned Payment Fee: Up to $35.
Credit Card More Information:

Card Issued By:
 U.S. Bank
General Correspondence Address:
 
Card Type:
 Visa
Card Class:
 Platinum
Card Category:
 
States Available In:
 ALL
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
Credit Needed:
Excellent/Good