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The Ralphs Rewards World Mastercard® gives you 2 points per $1 spent in Ralphs and all Kroger® Family of Companies (excluding fuel centers), and 1 point per $1 spent anywhere Mastercard is accepted. You will earn free groceries with rewards checks sent to you automatically. Plus, you'll earn $50 cash back when you apply for the Ralphs Rewards World Mastercard®, get approved and make your first purchase with your Ralphs Rewards World Mastercard. There is no annual fee.

However, you can find credit cards with more generous rewards. For example, you may choose the Discover it® Cash Back credit card. This card offers 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, unlimited 1% cash back on all other purchases. What is more, Discover will match all the cash back new cardmembers have earned at the end of their first year. You can redeem cash back any amount, any time. Rewards never expire.