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About Our Ratings
Credit Needed
Excellent

Ralphs rewards plus Visa® Card Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Purchase APR
14.24% to 24.24% based on your creditworthiness when you open your account (Variable)

This card compared to other cash back cards

Cashback on Gas
1%
1% When You Buy, 1% As You Pay
Cashback on Groceries
1%
1% When You Buy, 1% As You Pay
Cashback on other
5% cash back in categories that change each quarter like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
1% When You Buy, 1% As You Pay
Purchase APR
14.24% to 24.24% based on your creditworthiness when you open your account (Variable)
11.24% - 23.24% Variable 
13.24% - 23.24%* (Variable) 
CardRatings.com Editorial Staff

Ralphs rewards plus Visa® Card details

Balance Transfer Intro APR:
0% introductory APR for the first 9 billing cycles for balances transferred within 30 days from account opening
Balance Transfer Intro Period:
9 billing cycles
Purchase Intro:
APR:
0% introductory APR for the first 9 billing cycles
Period:
9 billing cycles
Purchase APR:
14.24% to 24.24% based on your creditworthiness when you open your account
Annual Fee:
None
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Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 10.74% to 20.74%
 10.74% to 20.74%
 21.99%
APR:
  14.24% to 24.24% based on your creditworthiness when you open your account
(Variable)
 14.24% to 24.24% based on your creditworthiness when you open your account
 25.49% (variable)
APR Floor:
 None
 None
 None
Intro Rate:
 0% introductory APR for the first 9 billing cycles
 0% introductory APR for the first 9 billing cycles for balances transferred within 30 days from account opening
 N/A
Intro Period:
 9 billing cycles
 9 billing cycles
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 2.8% of each foreign transaction
Late Fee:
 Up to $37
Over-the-limit Fee:
 None
Balance Transfer Fee:
Either 4% of the amount of each transfer or $10 minimum, whichever is greater  


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:
 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:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Discover it®- Cashback Match™ with No Annual Fee

Discover it®- Cashback Match™ with No Annual Fee

  • You could turn $200 into $400 with Cashback Match(TM). We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • FICO(R) Credit Scores for free on statements and online.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent/Good
Apply online for Citi® Double Cash Card

Citi® Double Cash Card

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Credit Needed:
Excellent/Good