Earn 2 points per $1 spent at Ralphs stores, 3 points per $1 spent on Ralphs store brand products, 1 point per $1 spent anywhere Visa Cards are accepted. Rewards are sent automatically every quarter. Get a $5 rewards certificate for every 1,000 points you collect.
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. Applicant must be 18 years of age and have a U.S. address and Social Security Number. You will not be charged interest on Purchases if you pay your entire balance by the due date each month. Foreign Transaction Fee: 2.8% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars; 2.8% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. Cash Equivalent Advance fee is either 4% of the amount of each advance or $20 minimum, whichever is greater. Returned Payment Fee: Up to $35.