Frequently Asked Questions
- Getting Your Ralphs rewards plus MasterCard®
- Using Your Ralphs rewards plus MasterCard®
- Ralphs rewards plus Points
- Online Card Management
- Loss, Fraud, and Misuse
- Useful Numbers and Addresses
Getting Your Ralphs rewards plus MasterCard®
How do I apply for a Ralphs rewards plus MasterCard®?
To apply online, click here, or call the Ralphs rewards plus MasterCard® application hotline at 877-456-4065.
How long will it take to process my application?
In most cases, it takes 7 to 10 days. However, it may take up to 30 days to process your application.
What do I receive when my account is approved and opened?
In two separate mailings, you will receive:
- Your Ralphs rewards plus MasterCard® with your Credit Card Agreement and Account Opening Disclosures
- Your Ralphs rewards plus MasterCard® Welcome Pack
Do I have to activate my card?
Yes, your account becomes active once you call 888-313-5464 from the phone number that you provided on your application to confirm receipt. You will not be able to use your new card(s) until you make this call and confirm receipt of your card(s).
Can I have a second cardholder on my account?
You can have additional authorized users (not joint account holders) with cards on your account. Your additional authorized users will share your credit limit, and you'll be responsible for all of their transactions. We'll only take instructions from you, the principal cardholder, but we can give out information to the other cardholders on your account. Please keep in mind that you will need to call to activate your additional cardholders' cards.
I haven't received my card yet; whom should I contact?
If you haven't received your Ralphs rewards plus MasterCard® within 30 days of submitting your application, please call us at 877-877-5256.
Back to TopUsing Your Ralphs rewards plus MasterCard®
Can I transfer my balance from more than one of my existing cards?
Yes, you can transfer balances from other credit and store cards, up to your credit limit, and as long as each balance transfer request is for more than $100. Fees apply.
Does transferring a balance automatically close my other account?
No, you must contact the other card company in writing.
Can I use my Ralphs rewards plus MasterCard® to pay monthly bills automatically?
Yes, monthly bills (such as membership dues, utilities, cell phone service, Internet service, cable TV, and subscriptions) can be paid automatically with your Ralphs rewards plus MasterCard®. Just call your providers directly to set up these automatic payments, and to find out details about making payments with a credit card.
Save yourself the hassle of mailing multiple checks and keeping track of all of those due dates, and you'll earn reward points because those payments count as purchases! These automatic payments are a great way to make your reward points add up fast—and you'll only have to make one payment each month to your Ralphs rewards plus MasterCard® account.
How do I get cash with a Ralphs rewards plus MasterCard®?
You need a Personal Identification Number, or PIN. To request a PIN for an existing account, call Customer Service at 888-411-3401.
You can obtain a cash advance at any ATM that accepts MasterCard®—just like you would use a regular ATM card. Also, some banks that accept MasterCard will give you a cash advance at the teller window.
Cash advances are calculated at the APR disclosed in your Credit Card Agreement from the transaction date (there is no grace period on interest and you will pay a cash advance fee and finance charges). Cash advances do not earn Ralphs rewards plus points and cannot exceed the cash limit as shown on page one of your statements.
What if I forget my PIN?
If you do not remember your PIN, you should call Customer Service to request a new, randomly selected PIN. For security purposes, Customer Service does not issue the PIN to you over the phone. You should receive your new PIN within 7 to 10 business days of your request.
How can I make a name change on my account?
If you would like to make a name change on your account, please mail us a signed letter (printed or typed) to Customer Service that includes your account number, old name, new name, signature, and the reason for the change. For name changes, the cardholder must provide legal documentation, such as a marriage license or a divorce decree. Send your request and documentation to:
Ralphs rewards plus MasterCard Customer Servicec/o Kroger Personal Finance
P.O. Box 18211
Bridgeport, CT 06601-3211
How do I make a phone number or address change?
Simply call Customer Service at 888-411-3401.
Can I use my card on the Internet and is it safe?
Yes, you can use your card on any site that accepts MasterCard. Your details should be safe as long as you're using a secure website. Please check with your vendor (i.e., Internet service provider, website administrator) regarding the security measures of their website.
What should I do if I have a problem with a purchase, such as a damaged product or non-delivery?
In order for you to preserve your rights, we must receive a written notification from you within 60 days after we mailed you the first statement containing your purchase transaction. The notice must include your name, address, account number, description of the problem with your purchase, and copies of documents supporting your claim. Please mail your notice to us at:
Ralphs rewards plus MasterCard Customer Servicec/o Kroger Personal Finance
P.O. Box 18211
Bridgeport, CT 06601-3211
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Ralphs rewards plus Points
How do I earn Ralphs rewards plus points?
Here's how you earn Ralphs rewards plus points*:
- 1 point per $2 spent anywhere MasterCard is accepted*
- 2 points per $1 spent in our stores. That's double what you would get with just a Ralphs rewards card.
- 3 points per $1 spent on our family of store brand products
- Earn an average of 5 points for every $1 you spend at over three hundred 1+ POINTS merchants. Visit www.1PlusPoints.com to see and shop at all participating merchants.
* Some restrictions apply. Please refer to the Credit Card Agreement that you receive with your Ralphs rewards plus MasterCard® for details.
Are my Ralphs rewards plus points affected when I return merchandise?
Because you earn Ralphs rewards plus points for purchases, the points you earned for a purchase you return will be subtracted from your point total.
Back to TopOnline Card Management
What is Online Card Management?
Our Online Card Management is a free service that gives you the convenience and flexibility to manage your Ralphs rewards plus MasterCard® account online. You can log on from any computer, anywhere in the world and pay your bill, view transactions, view your account information, and download transactions.
How up-to-date is my account information online?
Your current balance and available credit are updated on the next business day.
How secure is Online Card Management?
It's a totally secure website and only you have access to your account information. Create your own password and username, and keep them private. Also make sure you log off immediately after every use.
Can I use Online Card Management when I'm traveling?
Yes, you can access the service from any Internet connection.
Can I still receive my statements by mail?
Yes. Online Card Management is simply a feature designed to make using your Ralphs rewards plus MasterCard® even more convenient.
Back to TopLoss, Fraud, and Misuse
We strongly advise that you never write down or tell anyone your Ralphs rewards plus MasterCard® PIN number.What should I do if my Ralphs rewards plus MasterCard® is lost or stolen?
If your card is lost or stolen, or if you suspect that someone has obtained access to your account, immediately call Ralphs rewards plus MasterCard® Security anytime at 888-354-5464.
Customer Service will cancel the account, issue a new card, and establish a new account number immediately. You are not responsible for any transaction resulting from a lost or stolen card once you have notified us. Your Ralphs rewards plus MasterCard® point balance will be transferred onto your new card.
If a payment appears on my statement that I did not authorize or I'm unsure about something on my statement—what should I do?
If you don't recognize a transaction on your statement, let us know immediately. If you have eliminated all possibilities, such as a telephone or mail-order transaction, or perhaps one made by your additional cardholder, we will investigate and get back to you as soon as possible. Call us immediately at 888-354-5464.
In order for you to preserve your rights, we must receive written notification of the dispute from you within 60 days after we mailed you the first statement containing your purchase transaction. The notice must include your name, address, account number, description of the problem with your purchase, and copies of documents supporting your claim. Please mail your notice to us at:
Ralphs rewards plus MasterCard Customer Servicec/o Kroger Personal Finance
P.O. Box 18211
Bridgeport, CT 06601-3211
What happens if my Ralphs rewards plus MasterCard® is lost or stolen when I'm on vacation/holiday?
Call us at 888-354-5464. If you are abroad, you can also report the loss to MasterCard directly, or to any bank displaying the MasterCard logo, and confirm the loss to us immediately upon your return.
Back to TopBack to Top
Useful Numbers and Addresses
Customer Service
888-411-3401—for callers with an account number (7 a.m. to 1 a.m. EST)877-877-5256—for callers who do not yet have an account number (8 a.m. to 11 p.m. EST)
Live operators are available every day of the week, excluding some holidays.
Alternatively, write to us, quoting your account number if you already have one, at:
Ralphs rewards plus MasterCard Customer Servicec/o Kroger Personal Finance
P.O. Box 18211
Bridgeport, CT 06601-3211
Bill Payments:
c/o Kroger Personal FinanceP.O. Box 42022
Providence, RI 02940-2022
Lost or Stolen Cards:
Call us anytime at: 888-354-5464.
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