Paying a Ross card takes about two minutes. Getting it wrong costs $30, sometimes $41. You may mix things up, since you’re dealing with two different cards, two different phone numbers, a bank you’ve probably never heard of, and a due date that shifts with your statement.
Here is the fact. Ross is not a bank, and it doesn’t run the card itself. Comenity Capital Bank handles every payment and your Ross CC account.
It allows you to pay online, over the phone, or by mail. The phone option can incur a fee, Mail is time-consuming, and online is free, but may be risky if you visit the wrong website.
This guide includes each method and other elements like minimum payments, late fees, and the interest it levies for carrying a balance.
Key Takeaways
- Comenity runs the card, not Ross. Comenity Capital Bank (part of Bread Financial) issues the card and handles payments, so use Ross’s “Manage My Card” link.
- Online is the best way to pay. It’s free; phone payments can cost up to $15, and mail is slowest, so send checks a week early.
- Late fees are $30, then $41. The second one applies if you’re late again within six billing periods.
- Carrying a balance is costly. Purchases carry a 30.49% APR, and one partial payment can cost you the grace period.
- Pay the full statement balance. It’s the only way to skip interest, so pay a few days early and save the confirmation.
What Is Ross Credit Card?
The Ross CC is Ross Dress for Less’s credit card program, issued by Comenity Capital Bank, which is part of Bread Financial.
There are two versions of the Ross card. One is the Ross Credit Card, which only works at Ross stores. The other is the Ross Mastercard, which you can use anywhere Mastercard is accepted. That said, the choice isn’t yours, since the bank decides which one you’re eligible for.
Once approved, you get 10% off a single Ross purchase. After that, you earn 5% back in Ross Rewards Dollars on Ross purchases.
The Mastercard also earns 1% elsewhere. Every 100 Rewards Dollars becomes a $5 certificate, and certificates expire 60 days after they’re issued, so don’t let them sit.
Akin to most credit cards, it has no annual fee. The catch is the interest: purchases carry a variable 30.49% APR.
It makes sense if you shop at Ross often and pay the balance in full each month. If you tend to carry a balance, the interest will cancel out the rewards fast.
How To Make A Ross Credit Card Payment
You can pay a Ross cc payment easily by following the methods below. However, online is one of the easiest and most straightforward ways that doesn’t involve any human interaction, like a phone call or In-store. So let’s move forward.
Paying Online
- Head over to the Rossstores.com/credit-card/ and look for the “Manage My Card” link. It will direct you to Comenity’s Account Center.
- Log in, click Payments, and you’re there. Ross says there’s no fee to pay online.
- If you’ve never logged in before, you’ll register first, so have your account number handy. After that, you choose an amount and the bank account the money comes from.
- You’ll get a confirmation. Screenshot it because if a payment ever goes missing, that confirmation is your proof.
- What amount? If you can swing it, pay the full statement balance. Under the card agreement, you aren’t charged interest on purchases when you pay the entire balance by the due date each month.
The timing deserves a closer look, because the money moves on the issuer’s schedule, not yours.
Federal rules generally say a card payment can’t count as late if the company receives it by 5 p.m. on the due date, in the time zone printed on your statement.
Paying By Phone
Call the number for your card: 1-800-440-5215 for the Ross Credit Card or 1-866-743-3660 for the Ross Mastercard. TDD/TTY users can call 1-888-819-1918. Keep your account number and bank details nearby.
Here’s the catch. Ross warns that fees may apply to phone payments, and the card agreement sets a limit: an expedited payment by phone can cost up to $15.
They’re supposed to tell you the fee before you authorize anything, and you can back out if you don’t like it.
If online access works for you, use it and keep the $15. The phone makes more sense when you’re locked out of your login, or the site’s acting up.
Paying By Mail
Send the check to Comenity Capital Bank—Ross Credit Card or Ross Mastercard, P.O. Box 650965, Dallas, TX 75265-0965.
All you have to do is write your account number on the check and tuck in the payment slip if your statement came on paper.
Mail is where a lot of late fees come from. What counts is the day the payment arrives, not the day it gets a postmark.
To make sure the mail arrives in time, send it at least a week before the due date, and earlier if a holiday sits in between.
Your due date lands at least 25 days after the billing period closes, so there’s usually plenty of room if you don’t sit on the statement.
How To Pay Without An Account?
If you’re in a hurry, Comenity’s EasyPay is the best option to pay your Ross Bill. So, to get started
- Navigate to the Comenity Ross Payment page.
- Click EasyPay from the Navigation menu. You’ll see the account number, ZIP code, and identification type.
- Enter all your details and tap Find My Account.
- Now continue to pay your bill by entering your amount and selecting a bank.
- You’ll get a confirmation once your transaction is successful.
Check which Ross card is in your wallet
As we know, Ross has two cards. One works only at Ross Dress for Less. The other works anywhere Mastercard is accepted, as you can also add it to your Apple or Samsung wallet.
Their support lines are different. Ross Credit Card holders call 1-800-440-5215, and Ross Mastercard holders call 1-866-743-3660.
A third version, the Ross World Mastercard, uses 1-800-695-9584. You can also find the number on the back of your card, so flip it over if you’re unsure.
It’s worth noting that Ross-Simons, the jewelry and gifts retailer, is a separate company with its own card. If you search for your payment page and land on a Ross-Simons site, you’re in the wrong place.
Due dates, Minimums, & what late fees cost
The minimum payment depends on your card. If your new balance is under $30, the minimum is the whole balance. Above that, the floor is $30 on both cards.
It rises to $37 on the Ross Credit Card or $40 on the Mastercard if you were charged a late fee in the past six billing periods.
The real minimum on your statement can run higher, since past-due amounts, fees, and promotional plan payments get stacked on top.
Miss the minimum and the late fee is $30 if you haven’t been charged one in the prior six billing periods.
After that, it’s $41. A returned payment, meaning one your bank doesn’t honor, follows the same pattern, even if the payment goes through when resubmitted.
Anyway, interest is where it really stings. As of now, purchases carry a variable 30.49% APR. Carry $200 for a month, and you’re looking at roughly $5. There’s also a $2 minimum interest charge whenever interest applies at all.
The sneaky part is the grace period. Once you carry a balance, you lose it, and you only get it back after paying the full balance by the due date for two billing periods in a row.
So one partial payment can mean interest on new purchases for a couple of months. Comenity may also report your payment history to credit bureaus. Late payments usually show up on a credit report once they’re 30 days past due.
When A Payment Goes Wrong
Start with the Account Center. Ross points cardholders to the “Transactions and Statements” page to see what’s posted.
If your payment isn’t visible after a day or two, reach out to the support team either via phone or chat.
If you’re unsure about a payment you made incorrectly or one you didn’t recognize, you can write to Comenity Capital Bank, P.O. Box 182620, Columbus, OH 43218-2620. But ensure it’s within 60 days after you encounter the error on your statement.
You just need to include your name, the amount you deposited, the account number, and a clear explanation of your issue.
And if you haven’t paid a bill, check the balance in your source account to avoid a transaction failure.
FAQs
Ross’s card offers three ways to pay: online, phone, and mail. Unfortunately, paying at the register isn’t one of them. That said, don’t walk in with cash and assume it’ll work. You should ask Comenity first.
Yes, after you log in, look through the payment settings, or ask Customer Care at the number on your card.
If you pay by mail, you get a small perk. If your due date falls on a day the company doesn’t accept mail, a payment that arrives the next business day usually won’t count as late. That’s handy, albeit only for mailed payments. Online and phone payments don’t get the same break, so don’t rely on it there. Paying by the due date works, but sending it earlier is safer, since it takes the guesswork out entirely
If you can, yes. Paying the minimum keeps you away from a late fee. However, with a 30.49% APR, the interest adds up fast. So if you want to avoid interest on purchases, pay the full statement balance by the due date. Doing that is the only way to skip it.
The Wrap Up
For most users, online is the straightforward yet fast option to pay a Ross cc bill. The phone works great, but can cost up to $15.
And the Mail works too, as long as you send it early. So whichever you go for, pay a few days ahead of the due date, and keep the confirmation.
You must try to aim for the full statement balance to reimburse your debt faster. The less time you take to pay your bill, the less interest you build up.
