Ralphs Rewards World Elite Mastercard®
U.S. Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of U.S. Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Ralphs Rewards World Elite Mastercard® from U.S. Bank earns up to 3% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn $100 in Statement Credits when you apply, get approved and spend $500 on your Harris Teeter Rewards World Elite Mastercard® on eligible purchases3 the first 90 days.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.
What does the Ralphs Rewards World Elite Mastercard earn in each category?
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Ralphs Rewards World Elite Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 3x among the.
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Ralphs Rewards World Elite Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 3% back | 3% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Ralphs Rewards World Elite Mastercard reward caps and conditions?
The Ralphs Rewards World Elite Mastercard has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 3% cash back on dining and fuel for the first $6,000, then 1% thereafter Capped at $6000 per year.
Who should get the Ralphs Rewards World Elite Mastercard?
The Ralphs Rewards World Elite Mastercard fits spenders who put meaningful volume in dining and can earn 3% back. Best for spenders who put meaningful volume in dining and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.
Ralphs Rewards World Elite Mastercard fits spenders who put meaningful volume in dining and can earn 3% back. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 3% effective (3% back).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
What is the Ralphs Rewards World Elite Mastercard welcome bonus?
In Madeen's catalog snapshot, the Ralphs Rewards World Elite Mastercard welcome offer is Earn $100 in Statement Credits when you apply, get approved and spend $500 on your Harris Teeter Rewards World Elite Mastercard® on eligible purchases3 the first 90 days. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer.
- Offer
- $100
- Terms (catalog snapshot)
- Earn $100 in Statement Credits when you apply, get approved and spend $500 on your Harris Teeter Rewards World Elite Mastercard® on eligible purchases3 the first 90 days
- Minimum spend
- $500
- Window
- 90Days
Does the Ralphs Rewards World Elite Mastercard have an annual fee?
The Ralphs Rewards World Elite Mastercard has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Ralphs Rewards World Elite Mastercard?
The Ralphs Rewards World Elite Mastercard includes $100 in Statement Credits, boost., Global emergency services in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Lyft
$1,440/yrMore rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
World Elite Concierge
$150/yrComplimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
$100 in Statement Credits
$100/yrEarn $100 in Statement Credits when you apply, get approved and spend $500 on your Harris Teeter Rewards World Elite Mastercard® on eligible purchases3 the first 90 days
Priority Pass
$99/yrGet access to 1,700+ airport lounges worldwide and special offers and discounts in the terminal on dining, retail and spa experiences.
boost.
$59/yrEarn a FREE Next-Day Delivery Boost Membership for a year ($59 value)
Peacock
$36/yrGet $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.1
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard Golf
$10/yrGet exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Related encyclopedia topics
Common questions about the Ralphs Rewards World Elite Mastercard
Where do cardholders spend most with the Ralphs Rewards World Elite Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (3x), fast food (3x), other food and drink (3x) for the Ralphs Rewards World Elite Mastercard. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Ralphs Rewards World Elite Mastercard have an annual fee?
The Ralphs Rewards World Elite Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Ralphs Rewards World Elite Mastercard?
Dining is the strongest Madeen category for the Ralphs Rewards World Elite Mastercard at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Ralphs Rewards World Elite Mastercard charge foreign transaction fees?
The Ralphs Rewards World Elite Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Ralphs Rewards World Elite Mastercard welcome bonus?
The Ralphs Rewards World Elite Mastercard welcome offer in our snapshot: Earn $100 in Statement Credits when you apply, get approved and spend $500 on your Harris Teeter Rewards World Elite Mastercard® on eligible purchases3 the first 90 days. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Ralphs Rewards World Elite Mastercard?
Madeen's catalog lists a typical credit range of Good for the Ralphs Rewards World Elite Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Ralphs Rewards World Elite Mastercard compare to similar cards?
Compare the Ralphs Rewards World Elite Mastercard against U.S. Bank Altitude Go Visa Signature (4% on Dining, $0 fee); SKYPASS Select Visa Signature (3.2% on Dining, $450 fee); SKYPASS Visa Signature (3.2% on Dining, $99 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Ralphs Rewards World Elite Mastercard This card | Dining | 3% | $0 |
U.S. Bank | Dining | 4% | $0 |
| Dining | 3.2% | $450 | |
| Dining | 3.2% | $99 | |
U.S. Bank | Dining | 3.2% | $99 |
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U.S. Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of U.S. Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure