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Credit Needed
Excellent

Ralphs rewards plus Visa® Card Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Annual Fee
None

This card compared to other cash back cards

Card Name
Ralphs rewards plus Visa® Card
Cashback on Gas
Unlimited 1.5% cash back
1%
Cashback on Groceries
Unlimited 1.5% cash back
1%
Cashback on other
Unlimited 1.5% cash back
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.
Purchase Intro
APR:
0% introductory APR for the first 9 billing cycles
Period:
9 billing cycles
APR:
0% Intro APR on Purchases
Period:
15 months
APR:
0%
Period:
for 12 months
Purchase APR
14.24% to 24.24% based on your creditworthiness when you open your account (Variable)
14.24%-23.24% Variable 
11.24% - 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 Chase Freedom Unlimited ℠

Chase Freedom Unlimited ℠

  • NEW! Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good
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  • 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.
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  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent/Good