Ross Credit Card

Ross Credit Card 2024: Benefits, Charges, Its Uses and FAQs

Ross Credit Card

The Ross CC, like many other store credit cards, works as a financial tool that allows you to make purchases at Ross Stores and earn specific benefits.

What is Ross Credit Card?

A Ross CC is a store credit card that is issued by Ross Stores, Inc., a chain of off-price retail stores. Ross Stores is known for selling discounted clothing, footwear, home goods, and other merchandise. The credit card is specifically designed to provide benefits and rewards to loyal customers who shop at Ross Stores.

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Benefits of having a Ross CC

The benefits of a Ross credit card typically include:

Discounts: Cardholders often receive exclusive discounts and promotions that are not available to non-cardholders. These discounts can provide additional savings on top of the already discounted merchandise at Ross Stores.

Rewards Program: Some Ross credit cards come with a rewards program. On their transactions, cardholders can earn points or money. These rewards can be redeemed for future purchases, allowing you to save money on your shopping.

Early Access: You may have the opportunity to access sales and promotions before the general public. This can be particularly advantageous during peak shopping seasons like holidays.

Special Financing: Depending on the terms of the specific Ross credit card, you might have access to special financing offers, such as zero-interest financing for a certain period on larger purchases.

Convenience: The credit card provides a convenient payment option for customers who frequently shop at Ross Stores. It eliminates the need to carry cash and allows you to make purchases on credit, which can be beneficial for managing your budget.

Access to Exclusive Events: Cardholders may receive invitations to special events, such as private shopping nights or fashion previews, which can enhance your shopping experience.

Features and Terms of Ross Credit Card

While the specific features and terms of a credit card can vary based on the type of card and the current terms and conditions, here’s a general overview of the key credit card features and terms you might find with a Ross credit card:

Credit Limit: The credit limit on your credit card is the maximum amount you can charge to the card. Based on your creditworthiness, the card issuer decides what your credit limit is. This limit may vary from person to person.

APR (Annual Percentage Rate): The APR is the interest rate you will be charged on any outstanding balance that you carry from month to month. The specific APR can vary depending on the terms of your credit card and your credit history. It’s important to understand the APR because it impacts the cost of carrying a balance.

Grace Period: The grace period is the time you have to pay your credit card bill in full without incurring any interest charges. Most credit cards, including Ross credit cards, offer a grace period of about 21-25 days from the end of the billing cycle. If you pay your balance in full within this period, you won’t be charged interest on your purchases.

Fees and Charges: Credit cards offered by Ross may come with various fees, including:

Ross CC may come with various fees, including:

  • Annual Fees: Some credit cards may have an annual fee that you need to pay each year for the privilege of using the card. Others may have no annual fee.
  • Late Payment Fees: If you don’t make at least the minimum payment by the due date, you can incur a late payment fee. The specific fee amount can vary.
  • Overlimit Fees: If you exceed your credit limit, you might incur an overlimit fee.
  • Foreign Transaction Fees: If you use your credit card for purchases made in foreign currencies or outside the United States, you may incur foreign transaction fees.

Uses of Ross Credit Card

Uses of Ross Credit card

◘ Making Purchases:

A Ross CC can be used for making purchases at Ross Stores and, in some cases, affiliated brands. Simply present your card at the checkout, and the purchase amount will be charged to your card. You can also use it for online shopping if that option is available.

◘ Cash Advances:

While most people use credit cards for purchases, including Ross credit cards, it’s essential to know that you can also use them to get cash advances from ATMs or bank branches. However, this is generally discouraged as it often comes with high fees and immediate interest charges. Cash advances should be avoided whenever possible.

◘ Balance Transfers:

You may be able to transfer existing credit card balances from other cards to your credit card if this option is available. Balance transfers can help consolidate debt, but be aware that they may come with transfer fees and a specific promotional APR that changes over time.

◘ Credit Card Statements:

After making purchases, your Ross credit card issuer will send you a monthly credit card statement. This statement will detail your transactions, account balance, available credit, and the minimum payment due. It’s important to review your statement regularly to track your spending and ensure its accuracy.

◘ Minimum Payments:

Your Ross credit card statement will specify a minimum payment amount that you must pay by the due date. This amount is a percentage of your outstanding balance. While paying the minimum keeps your account in good standing, it can lead to interest charges, so it’s often advisable to pay more than the minimum to reduce the overall cost of your purchases.

Ross Rewards Program Terms (“Program Terms”)

Ross Rewards Program Terms (“Program Terms”)

Important Note: These program terms include provisions that limit our liability to you, eliminate your right to a trial by jury, require you to resolve disputes with us on an individual basis and not as a part of any class or representative action, and through final and binding arbitration. Review the “Agreement to Arbitrate” section below.

Please read these Program Terms carefully for important information about your rights and obligations in the Ross Rewards Program (“Program”). By participating in the Program, you agree to these Program Terms.

Important Note: The Program is provided by Ross Dress for Less, Inc. (“Ross”) and serviced by Comenity Capital Bank (“Bank”). Ross is solely responsible for Program operation and may withdraw the Program or change the terms of the Program at any time. The purpose of the Program is to reward customers for certain uses of their Ross Mastercard® Credit Card or Ross Credit Card (“Card”). The Program Terms may be supplemented with additional terms, conditions, and disclosures, including but not limited to applicable terms related to any promotional offers provided to you for use with the Program.

For the most up-to-date terms, please visit

General Information

The Program allows you to earn rewards (“Reward Dollars”) on the amount you spend, as described in the “Earning Reward Dollars” section below, using your Ross Mastercard® or Ross Credit Card Account (your “Account”). You can then redeem Reward Dollars for Reward Certificates through Account Center at (“Account Center”).

These Program Terms are separate from your Ross Mastercard® or Ross Credit Card Account Agreement (your “Account Agreement”), which governs the use of your Account. In the event of any conflict between these Program Terms and your Account Agreement, these Program Terms will control in any matter relating to the Program. By using your Account, you agree to be bound by these Program Terms.

All information collected about you in connection with the Program is subject to Ross’s privacy policy, which can be obtained at

Earning Reward Dollars

You will earn Reward Dollars when you, or an authorized user, make eligible purchases of goods and services for personal, family, and household purposes using your Account, minus any returns, refunds, or credit adjustments (“Net Eligible Purchases”). You do not earn Reward Dollars on interest, cash advances, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your Account.

Reward Dollars are rounded to the nearest whole cent value using standard rounding. Earning calculations that end in .005 will round up to the next cent. For example, an earning calculated to $0.205 will round to $0.21. All calculations that result in less than .005 will round down. For example, a calculated earning of $0.204 would round to $0.20.

Using your Ross Credit Card, you will earn:

  • 5% back in Reward Dollars for every $1.00 spent on all purchases, minus any returns, refunds, or credit adjustments (“Net Eligible Purchases”) made at Ross and charged to the card each billing cycle, with no caps on total earnings.

Ross may temporarily prohibit you from earning Reward Dollars, using Reward Dollars, receiving or redeeming Reward Certificates, or using any features of the Program if: your Account becomes delinquent; the Bank suspects that you or any authorized user has engaged in fraudulent activity related to your Account or the Program; or Ross suspects that you misused the Program in any way.

Reward Dollars awarded for purchases that do not remain Net Eligible Purchases will be deducted from your Reward Dollars balance. Returned items may result in credits being applied to your Account, which will reduce or may eliminate accumulated Reward Dollars and may result in a negative Reward Dollars balance. If your Reward Dollars balance goes negative, you must first earn Reward Dollars to bring your Reward Dollars balance to zero before earning any Reward Certificates eligible for redemption. Ross and the Bank reserve the right to verify and adjust Reward Dollars, as applicable, at any time.

Bonus Reward Dollars for Special Offers

From time to time, Ross and/or the Bank may make bonus offers to earn additional Reward Dollars (“Bonus Reward Dollars”). Read each offer carefully, as there may be important conditions or limitations, such as blackout periods, Bonus Reward Dollars limits, or exclusions. You may have to register to qualify for the offer. Ross and/or the Bank may change or withdraw an offer at any time without notice. Any such change or withdrawal will not affect Bonus Reward Dollars already earned. Certain offers may only be communicated via email. Tax and shipping charges are excluded from specials offers and bonuses.

Reward Merchant Classification Codes

Merchants who accept Mastercard are assigned a merchant classification code (“MCC”), which is determined by the merchant or its processor in accordance with Mastercard procedures based on the products and/or services they primarily sell. The Bank and Ross do not control the assignment of these codes and are not responsible for incorrectly coded purchases. Even though a merchant or some of the items it sells may appear to fit within a certain rewards category, the merchant may not have a code in that category. Purchases made with third-party payment accounts, including but not limited to PayPal and Venmo, will not earn additional Reward Dollars.

Opt-In Offers

From time to time, Ross Dress for Less, Inc. and/or Comenity Capital Bank may make special offers to earn additional Reward Dollars, which require you to opt in to the special offer to earn the Reward Dollars (“Opt-In Offers”). Opt-In Offers must be opted into before Reward Dollars are earned, and earning is not retroactive prior to opting in. You may select Opt-In Offers in Account Center at when available. Opt-In Offers will typically have earning criteria and time frames.


Important Note: Reward Dollars will expire three years after the date that they are posted to your Reward Dollars balance.

Reward Certificates will expire 60 days beginning three days after the date they are issued.

Termination and Forfeiture

Important Note: Subject to any requirements or limitations of applicable law, Ross may at any time for any reason change or terminate the Program and these Program Terms without notice.

Ross reserves the right to terminate you from the Program. If the Program terminates, Ross terminates you from participating in the Program, or you voluntarily cancel enrollment in the Program, all Reward Dollars will be forfeited.

Ross Credit Card Customer Care Number

Contact Number is 1-866-743-3660

Payment Address for Ross Credit Card

Ross Dress For Less Credit Card

PO Box 650965

Dallas, Texas 75265-0965

Manage Your Ross Credit Card Account at

Some Frequently Asked Questions (FAQs) about Ross Credit Card

Q. How do I apply for a Ross CC?

Ans. You can apply for a Ross credit card online by visiting the Ross Stores website or in-store at a Ross location. Follow the application steps outlined on their website or ask a store associate for assistance.

Q. What types of Ross CC are available?

Ans. Ross typically offers a store-specific credit card for use at Ross Stores. The specific card options and their benefits may vary, so it’s best to check the current offerings on their website or in-store.

Q. Can I use my Ross CC at other stores?

Ans. No, a Ross credit card is typically only valid for making purchases at Ross Stores or affiliated brands. It cannot be used at other retailers.

Q. What are the benefits of a Ross CC?

Ans. Benefits may include exclusive discounts, rewards programs, early access to sales, special financing offers, and invitations to exclusive events. The specific benefits can vary based on the type of Ross credit card you have.

Q. Is there an annual fee for a Ross CC?

Ans. The presence and amount of annual fees can vary depending on the specific Ross credit card. Some Ross credit cards may have no annual fee, while others may have one.

Q. How do I pay my Ross CC bill?

Ans. You can typically pay your Ross credit card bill online through the issuer’s website, by mail, or in person at a Ross Stores location. The specific payment methods and details will be provided on your monthly statement.

Q. What is the interest rate on a Ross CC?

Ans. The interest rate, known as the Annual Percentage Rate (APR), can vary based on your creditworthiness and the terms of the specific Ross credit card. Review the terms and conditions when applying for the card.

Q. Is a Ross credit card a good way to build or improve my credit?

Ans. Yes, responsible use of a Ross credit card, such as making on-time payments and managing your credit limit wisely, can contribute to building or improving your credit score.

Q. Can I cancel my Ross credit card?

Ans. Yes, you can generally cancel your Ross credit card by contacting the card issuer. Be sure to pay off any outstanding balances before closing the account, and follow the issuer’s cancellation process.

Q. Where can I find more information about Ross credit cards?

Ans. You can visit the Ross Stores website or inquire in-store for additional information about their credit cards, terms, and any current promotions.

Q. Can I return something to Ross without a receipt?

Ans. Ross typically accepts returns without a receipt for store credit or exchange, subject to specific conditions and time limits. It’s best to contact your local store for precise details.

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