With the Ralphs Rewards Credit Card App you can apply for and manage your Ralphs Rewards Credit Card. When you apply and are approved for the card through this App, receive a $25 coupon for FREE groceries!(1) The App helps you keep track of your REWARDS Points so you know how much you will earn in free groceries each quarter. Rewards certificates are automatically mailed to you 4 times a year.

Ralphs Rewards Credit Card Benefits(2)

• Earn 1 Rewards Point per eligible net $1 spent anywhere Mastercard is accepted

• Earn double Rewards Points per eligible net $1 spent in the Kroger Family of Companies (excluding fuel centers)

• Earn 3 Rewards Points per eligible net $1 on the Kroger Family of Companies Own Brand Products

There is no limit to the amount of rewards you can accumulate! Earn $5 for every 1,000 points.

Terms & Conditions

1. For a limited time only. Subject to credit approval. Must activate and make your first purchase with your Ralphs Rewards Mastercard in our stores for coupon to be valid. Coupon valid for 90 days. Coupon is provided on card carrier that accompanies credit card. Coupon only applicable for new Ralphs Rewards Mastercard Accounts.

2. Earn Rewards points toward free groceries. Rewards points are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions qualify for Rewards points, such as Advances, Balance Transfers, and Convenience Checks. You may not redeem points, and you will immediately lose all of your points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Points expire after 24 months. Purchases made at The Kroger Family of Companies Fuel Centers do not earn Rewards points. Rewards sent automatically only to balances greater or equal to 1,000 Rewards 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.

The creditor and issuer of the 1-2-3 REWARDS® World Mastercard® is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. ©2018 U.S. Bank

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