Frequently Asked Questions

How to Apply
Yes. If you do not currently have a Ralphs rewards card number with your Ralphs store, one will be assigned to you.
Yes. Plus, you can request to add authorized signers to your Ralphs rewards plus Visa Card account so your spouse can use the card too.
Please call 800-947-1444 and choose option 1 for the status of an application. For your security, you will be required to enter your social security number to locate the application. Additional verification item(s) may be needed to validate.
In most cases, when applying online you will receive the status of your application immediately. If you're approved, your card will arrive in 7-10 days. Length of time varies depending on individual credit status, address verification and card processing time.
Once you receive your card in the mail, call 888-200-9959 to activate.
Member Benefits
No. There is no cap on Ralphs rewards plus Visa points.
You can view your points accumulated with your Visa card on your Ralphs rewards plus Visa® monthly statement or Log in to Online Banking. Once in Online Banking click on 'Rewards Center'. You can also call 1-877-373-6196.
Ralphs rewards plus Visa points are earned at time of purchase and will be reflected on your account after the transaction posts. You can view pending Ralphs rewards plus Visa Card Points pending since last statement date in Online Banking. Learn more about Online Banking. Get a $5 rewards certificate for the first 1,000 points you collect.
Get a $5 Rewards certificate for the first 1,000 points you collect. Rewards certificates are issued four times a year and mailed to customers in February, May, August and November.
You can redeem your Rewards certificates at any of the Ralphs stores.
Your Rewards certificates must be redeemed within one year of the date on the certificates.
Rewards certificates have no cash value and may only be used to purchase selected merchandise at the Ralphs stores. Purchases must exceed the value of your Rewards certificates, as we cannot give you cash back.
Because you earn Ralphs rewards plus Visa points for purchases, the points you earned for a purchase you return will be subtracted from your point total.
Basic Card Facts
No. You can use the Ralphs rewards plus Visa Card anywhere Visa is accepted. However, you do earn extra points by shopping at Ralphs.
Yes. You can use your Ralphs rewards plus Visa Card for cash advances at ATMs that accept Visa Credit Cards. Cash advances do not earn Ralphs rewards plus Visa points.
The APR is competitive for credit cards that offer rewards. Keep in mind that you pay no interest on purchases if you pay your bill in full by the payment due date.
You can access your Ralphs rewards plus Visa Card account from any Internet-enabled computer. Learn more about Online Banking.
Additional Questions
Please visit our About Enrolling page to learn more about enrolling your account into Online Banking.
Your statement is designed to make it easy to view important information on your account. How to read your statement (PDF).1

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.


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