2
Benefits1
Reward Categories5x
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: ross-credit-card
Issuer: BreadFinance
Card Name: Ross Credit Card
Card Type: Credit
Network:
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
The Military Lending Act (MLA) provides protections for active duty service members, their spouses, and dependents, limiting the annual percentage rate (APR) to 36% (MAPR) on certain credit transactions, including certain fees.
Rewards Program (Detailed) 1 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Ross Dress for Less Purchases | 5x | Points | Purchases made at Ross Dress for Less stores and rossstores.com | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 2 Total
PENDINGShopping 2
First Purchase Discount
Amount disclosed at time of applicationNew cardholders receive a discount on their first purchase made with the Ross Credit Card at Ross stores. The discount is applied at the time of purchase.
Exclusive Cardholder Offers and Savings
Varies by offerCardholders may receive special offers and savings throughout the year. These offers may be communicated via mail, email, or other channels and can include discounts, special promotions, or other benefits.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Effective Annual Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Application Rules: Applicants must be 18 years or older, a U.S. resident with a valid SSN or ITIN, and possess good to excellent credit (typically FICO 670+ recommended for optimal approval odds). Approval is subject to BreadFinance's internal credit underwriting policies and overall credit exposure limits. Applicants must not have a history of default on previous BreadFinance accounts. Bonus Rules: New cardholders for 2026 are anticipated to receive a one-time discount (e.g., 15-20% off) on their first Ross purchase made within 30 days of account opening. Further incentives may include a statement credit (e.g., $10-$25) after spending a specified amount (e.g., $100-$200) within the initial 90 days. Store-specific restrictions apply, meaning rewards and benefits are primarily redeemable at Ross stores or their affiliated online platforms.
Max Cards Per Issuer: 5
Min Spend Interval: 90 days
Cliff Effect Rules: BreadFinance does not enforce explicit 'card family' rules akin to Chase's 5/24. However, they actively manage overall credit exposure across all credit products they issue. Applying for numerous BreadFinance cards within a short timeframe (e.g., 3+ cards in 6 months) or accumulating a very high total credit limit with the issuer can lead to automatic denials for new applications. BreadFinance may also unilaterally reduce credit limits on existing accounts if they determine an individual's overall credit exposure to be excessive or if creditworthiness declines.
Special Events: Exclusive cardholder-only sales events, double or bonus points days on specific categories or during promotional periods, personalized birthday discounts or special offers, early access to major sales (e.g., Black Friday previews), anniversary rewards.
Holiday Promos: Black Friday/Cyber Monday sales, Christmas and New Year holiday season promotions, Back-to-School sales, Mother's Day and Father's Day special offers, seasonal clearance events (e.g., Spring, Summer, Fall).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Easy approval for store discounts and rewards at Ross.
Top Negative:
High APR, limited acceptance outside Ross stores, and frequent complaints about Comenity's customer service.
Approval Experience: 70.0 / 100
Recommended Alternatives
- TJX Rewards Credit Card
- Capital One Platinum Credit Card
- Discover it Secured Credit Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $40.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: October 2023