Ralphs rewards plus Visa Card Benefits

Earn free groceries faster1

  • 1 point per net $1 spent anywhere1 Visa is accepted
  • 2 points per net $1 spent in the Kroger® family of stores (excluding fuel centers)
  • 3 points per net $1 spent on the Kroger family of quality brands

Every 1,000 Points = $5 in free groceries.

Additional Card Benefits
Here’s See how much you can earn every 3 months by spending:
You spend...rewards plus Visa
points earned
$70/wk. on groceries2 1,680
$60/wk. on our family of products 2,160
$150/wk. at restaurants and other retailers 1,800
$100/wk. on fuel1 1,200
$250/month on bills 750
$500 on travel 500
Total points earned
Chart represents sample points only.
8,090 = $40
in free groceries
You earn $40 in free groceries just by using
your Ralphs rewards plus Visa Card —
that's $160 per year!
Travel & Emergency Assistance Services.3 Helps you coordinate medical, legal, and travel services when you're away from home.

Auto Rental Collision Damage Waiver.3 Receive 24-hour auto insurance coverage-at no additional cost-for damage due to collision or theft.

  • To activate the coverage, simply initiate and complete the entire rental transaction using your Card and decline the auto rental company’s collision damage waiver (CDW/LDW) option or similar provision.
  • You can be reimbursed for damage due to collision or theft up to the actual cash value of most rental vehicles when certain terms and conditions are met.
  • For faster filing or to learn more go to Visa Auto Rental CDW.
Emergency Card Replacement and Cash Disbursement. Get a replacement card or emergency cash, usually within 24 hours, if you report your card as lost or stolen.

Zero fraud liability.4 You are protected with zero fraud liability.

24-Hour Cardmember Service.
Worldwide Acceptance. Millions of locations accept Visa credit cards.

Purchase Security3Within the first ninety (90) days of the date of purchase, Purchase Security will at the Benefit Administrator’s option, replace, repair items, or reimburse you up to a maximum of $500.00 per claim and fifty thousand dollars ($50,000.00) per cardholder for eligible items of personal property purchased entirely with your eligible Visa card in the event of theft, damage due to fire, vandalism, or accidentally discharged water, or certain weather conditions.

Easy Cash Access. Use your card at more than 1 million ATMs worldwide.

Warranty Manager Service.3Protect and manage important purchases made with your Card. Call 1-800-551-8472 to register your purchases. For faster filing or to learn more go to Visa Warranty Manager service. Either way, you'll receive:

  • Convenient electronic storage of all your warranty information in one easy-to-access place.
  • Extended Warranty Protection: doubles the period of repair service under the manufacturer’s written U.S. warranty up to one (1) additional year on eligible items of personal property which have a valid original manufacturer’s written U.S. repair warranty of three (3) years or less and which you have purchased entirely on your eligible Visa card.
Automatic Bill Payment. Grow your rewards even faster when you take advantage of this easy and fast way to pay bills online.

Manage your Account. Online Banking allows you to view your transactions and much more.


U.S. Bank may change APRs, fees and other Account terms in the future based on your experience with U.S. Bank National Association as provided under the Cardmember Agreement and applicable law.

Account must be open and in good standing to earn and redeem rewards and benefits.  Upon approval, please refer to your Cardmember Agreement for additional information.

The creditor and issuer of the Ralphs rewards plus Visa Card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

 ©2017  U.S. Bank National Association. All rights reserved.


1 Earn points toward free groceries.  Reward points are earned on qualifying net purchases.  Net purchases are purchases minus credits and returns.  Not all transactions qualify for Reward points, such as Advances, Balance Transfers, and Convenience Checks. Purchases made at The Kroger Family of Companies Fuel Centers do not earn Reward points.  Rewards sent automatically only to balances greater or equal to 1,000 points, if your Account is open and in good standing.  Rewards Certificates cannot be redeemed at Fuel Centers.  Upon approval, see your Cardmember Agreement for details.
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2 Calculation doesn’t include Kroger Family of Brands purchases.
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3 Certain terms, restrictions and conditions apply. Refer to your Visa card "Guide to Benefits” terms for details and to determine if the auto rental coverage is right for you..
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4 U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.
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