Ross Credit Card
Basic Information
Program ID: ross-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 14:42
Last Scraped: 01/15/2026 14:43
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 30 days
Bonus Timing: Discount applied instantly at checkout on your first purchase.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion
Issuer Rules
Rules: For 2026, the ross-credit-card from BreadFinance offers new cardholders 15% off their first Ross purchase made within 30 days of account opening, plus an additional 5% back in Ross Rewards on all Ross purchases for the first 90 days (up to $100 in rewards). Standard earning thereafter is 2% back in Ross Rewards on Ross purchases, issued as store credit. Eligibility requirements include being 18 years or older (19 in AL and NE), a U.S. resident with a valid SSN or ITIN, and having a verifiable income. Approval is subject to BreadFinance's creditworthiness and underwriting criteria.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Late or missed payments on any BreadFinance account, high credit utilization on the Ross card or other BreadFinance accounts, defaulting on other credit obligations, excessive returns or unusual purchasing patterns at Ross, suspected fraudulent activity, manufactured spending (though less common for store cards), and significant adverse changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy to get approved, even with fair credit. Offers discounts and special promotions at Ross. Can be useful for building credit if managed responsibly.
Top Negative Feedback:
Extremely high APR and interest rates. Poor customer service from Comenity. Difficult to manage online account. Limited utility as it's only accepted at Ross stores.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One Platinum Secured Credit Card
- Discover it Secured Credit Card
- Target RedCard
Card Value Score: 40.0 / 100
Est. Annual Rewards: $50.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 100% Store
Risk Assessment
Default Risk Group: High
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: October 2023