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.
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.