Ralphs 1-2-3 REWARDS MasterCard®

You are automatically enrolled in the 1-2-3 REWARDS Program when your Account is opened. You earn between 1-5 points on net purchases made with your 1-2-3 REWARDS MasterCard.® Accumulated points are exchanged for 1-2-3 REWARDS Certificates. Your 1-2-3 REWARDS Certificates are redeemable by you for purchases at the Kroger Family of Stores.* There are no limits on the amount of Reward points you can earn. Your Reward points will be awarded quarterly (in February, May, August and November) in $10 increments, if your Account is in good standing. Reward points are earned as follows:

  • 1 point per dollar spent All Purchases outside Kroger Family of Stores*
  • 2 points per dollar spent All Purchases inside Kroger Family of Stores* and fuel centers
  • 3 points per dollar spent All Purchases of Kroger Family of Stores Own Brand Products*

When you use your 1-2-3 REWARDS MasterCard® to purchase Kroger Family of Stores Own Brand Products in one of the Kroger Family of Stores, you will receive a total of 5 points for every dollar of Purchases.

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit Personal $0* 0.00% for 12 Billing Cycles N/A* 13.99%* - 23.99%* Store Specific

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Ralphs 1-2-3 REWARDS MasterCard® Quick Summary:
This is a Mastercard rewards card, issued by RBS National Bank. Store reward cards normally offer rebates on specific brand merchandise or purchases. This card is intended for consumers, or "personal use" with a nearly perfect credit history. Rates may vary among applicants, however the lowest standard APR is 13.99%* and may be as high as 23.99%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is a introductory balance transfer offer APR of 0.00% for 12 Billing Cycles*. There is no annual fee for this card.*

This card is a store or brand specific rewards card, where you can expect rewards, gift certificates, or even rebates for your purchases, according to the offer details.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a fairly solid or limited credit record, with no recent negative marks on their report. A FICO credit score of 682 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any RBS National Bank product.

Other Basics:
The grace period listed for the Ralphs 1-2-3 REWARDS MasterCard® is at least 20 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This card contains the brand of Mastercard, where acceptance is global. Most businesses that accept credit cards will accept Mastercard as a form of payment (subject to available credit).

Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 682, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

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