Ross Credit Card Guide – Perks, Uses, and More

The Ross Credit Card is a store-branded card designed for customers who frequently shop at Ross Dress for Less. 

Issued by Comenity Capital Bank, this card provides shoppers with a simple way to earn rewards and enjoy savings. 

Upon approval, cardholders receive a one-time 10% discount on their first purchase made at Ross, making it an attractive option for new applicants.

There are two types of Ross cards: a store-only version and a Ross Mastercard. The standard card can only be used at Ross locations, while the Mastercard version is accepted anywhere Mastercard is. 

Both cards offer access to the Ross Rewards program, where cardholders earn 5% back in rewards on Ross purchases. The Ross Mastercard also provides 1% back on purchases made outside of Ross.

Applying for the card is easy and can be done online or in-store. Approval depends on the applicant’s creditworthiness and can be immediate or take up to two weeks for review. 

Once approved, cardholders can manage their accounts online, view statements, and track rewards.

This card is best suited for loyal Ross shoppers who want to make the most of their purchases through ongoing rewards and occasional promotions.

How to Apply for a Ross Credit Card

Applying for a Ross Credit Card is a simple process that can be done either online or in-store. Here’s how you can get started:

Online Application:
To apply online, visit the official Ross Credit Card application page. Click on the “Apply Now” button and enter your personal details such as your name, address, phone number, Social Security number, and annual income. 

After reviewing the terms and conditions, submit your application. You may receive an instant decision, or you might be notified by mail within 10–14 days if further review is needed.

In-Store Application:
You can also apply while shopping at a Ross Dress for Less store. Promotional signage in-store often features a QR code or text instructions to help you access the application on your phone. The approval process is similar to the online option.

Approval & Card Issuance:
If approved, you’ll receive your Ross Credit Card (or Ross Mastercard) in the mail within 7–14 business days. 

Eligibility typically depends on your credit score. Applicants with stronger credit profiles are more likely to qualify for the Mastercard version, which can be used outside of Ross.

Benefits:

• 10% off your first Ross purchase
• 5% back in Ross Rewards on Ross purchases
• 1% back on all other purchases (Mastercard only)

Ross Credit Card Requirements

To apply for a Ross Credit Card or Ross Mastercard®, you must meet the following basic requirements:

• Age Requirement: You must be at least 18 years old, or the age of majority in your state.
• Identification: A valid government-issued photo ID is required.
• Tax Identification: You must have a valid Social Security Number (SSN) or similar tax identification number.
• Mailing Address: A physical street, rural route, or APO/FPO mailing address is needed. P.O. Boxes are not accepted.
• Credit Score: While the Ross Mastercard® generally requires good credit, the store-only Ross Credit Card may be more accessible to those with fair credit.

Applications can be completed either online or in-store. If approved, new cardholders usually receive a 10% discount on their first purchase. 

You’ll also earn rewards on Ross purchases, and if you have the Mastercard® version, you can earn additional rewards on other purchases where Mastercard is accepted.

Ross Credit Card Rewards and Benefits

The Ross Credit Card offers several rewards and benefits to enhance your shopping experience at Ross Dress for Less.

• 10% Off First Purchase: Upon approval, cardholders receive a one-time 10% discount on their first purchase at Ross.
• 5% Back in Rewards: Earn 5% back in Ross Rewards on all qualifying purchases made at Ross Dress for Less stores.

The Ross Mastercard® offers similar benefits, with additional perks:

• 1% Back on Other Purchases: Earn 1% back in Ross Rewards on all other purchases made anywhere Mastercard is accepted.

Rewards Redemption:

• Reward Certificates: For every 100 Reward Dollars earned, you get a $5 Reward Certificate, up to $20 per billing cycle.
• Redemption: Rewards can be redeemed in-store by scanning a barcode from your mobile device or using a printed certificate.

Additional Benefits:

• No Annual Fee: Both cards have no annual fee.
• Mobile Wallet Compatibility: The Ross Mastercard® can be added to Apple, Google, and Samsung wallets, and the Ross Credit Card is compatible with Apple Pay.

Pros and Cons of the Ross Credit Card

Pros of the Ross Credit Card:

1. Discount on First Purchase: New cardholders get a 10% discount on their first purchase, providing an immediate benefit.
2. Generous Rewards Program: Earn 5% back in Ross Rewards for purchases made at Ross stores. The rewards can be redeemed for future purchases.
3. No Annual Fee: Both the Ross Credit Card and the Ross Mastercard® come with no annual fees, making them cost-effective.
4. Flexibility with Ross Mastercard®: The Ross Mastercard® earns 1% back on all non-Ross purchases, offering value even outside of the store.
5. Mobile Wallet Compatibility: The cards are compatible with Apple Pay, Google Pay, and Samsung Pay, making them easy to use for everyday purchases.

Cons of the Ross Credit Card:

1. Limited to Ross Stores: The Ross Credit Card is only useful for shopping at Ross Dress for Less. It does not offer rewards for purchases outside of the store (unless you have the Mastercard version).
2. High Interest Rates: The card may have higher-than-average interest rates, so carrying a balance could be costly.
3. Rewards Redemption Limits: There’s a cap on how much rewards you can earn and redeem, with a limit of $20 per billing cycle for rewards.
4. Not as Valuable for Non-Ross Purchases: While the Ross Mastercard® provides 1% back on non-Ross purchases, it may not offer the same competitive rewards rate as other general-purpose credit cards.

How to Use the Ross Credit Card Wisely

To make the most of your Ross Credit Card, here are some strategies for using it wisely:

1. Pay Off Your Balance in Full: To avoid high-interest charges, try to pay off your balance in full each month. This will help you keep your credit card usage cost-effective.
2. Take Advantage of the 10% Discount: Use your Ross Credit Card for your first purchase to earn the 10% discount. This is a great opportunity to save right from the start.
3. Use the Card for Ross Purchases: The Ross Credit Card offers 5% back in Ross Rewards for purchases made at the store, so it’s smart to use it when shopping at Ross Dress for Less.
4. Redeem Rewards Wisely: Rewards earned can be redeemed for future purchases at Ross. Make sure to use them before they expire and aim to maximize the value by using them on larger purchases.
5. Monitor Your Spending: Keep track of how much you’re spending on the card to avoid overspending, especially since the rewards are only beneficial if you use the card responsibly.
6. Consider the Ross Mastercard® for Extra Rewards: If you frequently shop outside of Ross, the Ross Mastercard® might be a better option, as it offers 1% back on all purchases.
7. Stay Within Your Credit Limit: Be mindful of your credit limit to prevent exceeding it, which could negatively affect your credit score and incur additional fees.
8. Use Auto-Pay for Timely Payments: Set up automatic payments to ensure you never miss a due date, avoiding late fees and damage to your credit score.

Ross Credit Card Payment Options

Here are the available options for paying your Ross Credit Card:

1. Online Payments
   You can log in to the Account Center to manage your account, view statements, and make payments directly.
2. Phone Payments
   You can call customer service at 1-800-440-5215 for Ross Credit Card payments or 1-866-743-3660 for Ross Mastercard Credit Card payments. Be aware that fees may apply for phone payments.
3. Mail-In Payments
   To pay by mail, send a check or money order (no cash) to:
   Comenity Capital Bank
   P.O. Box 650965
   Dallas, TX 75265-0965
4. In-Store Payments
   You can also make payments in person at any Ross Dress for Less store at the customer service desk.

Important Notes:

• Processing Times: Online payments are typically processed quickly if made before the cutoff time. Phone payments may take longer and incur fees.
• Payment Due Dates: Be sure to pay by the due date to avoid late fees and negative impacts on your credit score.
• Confirmation: Keep your payment confirmations or receipts for your records.

Common Issues with the Ross Credit Card

Here are some common issues that cardholders may encounter with the Ross Credit Card:

1. Late Payments
   One of the most frequent problems is forgetting to make a payment on time. Late payments may result in late fees and an increase in your interest rate. It could also negatively impact your credit score.
2. High Interest Rates
   If you’re carrying a balance on your Ross Credit Card, the interest rates can be quite high. This can make it difficult to pay off the balance, especially if you’re only making the minimum payments.
3. Difficulty Accessing Rewards
   Some users have reported issues with redeeming rewards or not being able to easily track their rewards points. This can be frustrating for cardholders trying to take advantage of the benefits the card offers.
4. Account Security Issues
   Cardholders may sometimes face issues related to unauthorized transactions or fraud. It’s crucial to monitor your statements regularly and report any suspicious activity as soon as possible.
5. Payment Processing Delays
   Occasionally, payments may not be processed on time due to technical issues, especially when paying through the website or mobile app. This could lead to late fees or missed payments.
6. Limited Use
   Since the Ross Credit Card can only be used at Ross stores, this limits its usability compared to more widely accepted credit cards.
7. Credit Limit Concerns
   Some users feel their credit limit on the Ross Credit Card is too low, especially if they’ve had the card for an extended period but haven’t received any increases.

Tips to Maximize Ross Credit Card Savings

Here are some tips to help you maximize your savings with the Ross Credit Card:

1. Use for Store Purchases Only
   Since the Ross Credit Card can only be used at Ross stores, make sure to use it for all in-store purchases to earn rewards and maximize savings on your shopping.
2. Take Advantage of Promotions and Discounts
   Ross frequently offers promotions and sales events. Combine these discounts with your Ross Credit Card to maximize your savings during these sales periods.
3. Pay Your Balance in Full
   Avoid high-interest charges by paying off your balance in full each month. This way, you can take advantage of rewards without incurring additional costs from interest rates.
4. Track Your Rewards
   Keep track of the rewards you accumulate with each purchase. Make sure to redeem them for discounts or special offers before they expire to get the most out of your card.
5. Use During Special Events
   Look out for special events like store-wide sales or member-only promotions. Using your Ross Credit Card during these events can help you get exclusive discounts and deals.
6. Sign Up for Alerts
   Set up alerts for payment due dates and special promotions. Staying informed about when discounts and offers are available ensures you never miss an opportunity to save.
7. Don’t Max Out Your Credit Limit
   Keep your balance well below your credit limit to maintain a good credit score and avoid any fees related to overspending. This will also help you maximize the benefits of your credit card without jeopardizing your financial health.

Conclusion

The Ross Credit Card is a great option for shoppers who frequently visit the store, offering several perks that can lead to significant savings. 

By using the card for in-store purchases, cardholders can earn rewards and take advantage of special discounts. 

The card is designed to provide a seamless shopping experience for those who love scoring great deals at Ross, with frequent promotions, sales events, and exclusive member-only discounts.

To maximize the benefits of the Ross Credit Card, it’s important to use it wisely. Shoppers should always aim to pay off their balance in full each month to avoid high-interest charges, which can quickly diminish the value of rewards. 

Additionally, keeping an eye on sales events, signing up for alerts, and tracking your rewards will ensure that you never miss an opportunity to save.

While the Ross Credit Card can offer great rewards, it’s crucial to manage your spending and avoid maxing out your credit limit. Keeping your balance low will help maintain a good credit score and ensure you’re making the most of the card’s benefits without falling into debt.

Overall, the Ross Credit Card is an excellent tool for dedicated shoppers who want to maximize savings while enjoying the benefits of exclusive discounts and rewards.