| Rewards | 3 points per $1 spent on Ralphs store brand products, 2 points per $1 spent at Ralphs grocery stores, 1 point per $1 spent everywhere else |
|---|---|
| Signup Bonus | $50 statement credit upon first purchase |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 25.74% (APR is subject to change) |
| Cash Advance Fee | Either 4% of the amount of each advance or $10, whichever is greater |
| Late Payment Fee | Up to $37 |
| Purchases APR | 14.49% to 24.49% (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
I use it mostly for grocery runs, and the extra savings do add up over time. Outside of average. Outside of ralphs, through, the card feels pretty average. The app is okay, nothing fancy. It's a convenient card if you shop there often, but not something I'd rely on for all my spending