how the process works for a Ross Credit Card Online
You can explore for a Ross Credit Card through the Ross Stores website or in person at any Ross location. The online process takes about 10 minutes and asks for your personal information, income, and Social Security number. Once you submit, you'll receive a decision within minutes in most cases — either approved, approved with conditions, or denied. If approved, your card arrives by mail within 7 to 10 business days.
The Ross Credit Card is a store card that works only at Ross Dress for Less and dd's Discounts. It offers a discount on your first purchase and rewards points on future purchases. You don't need to have an existing relationship with Ross or any other bank to explore.
Key Takeaways
- The online process asks for your name, address, date of birth, Social Security number, employment status, and annual income.
- You'll get a decision within minutes after submitting, and the card ships to you in 7 to 10 business days if approved.
- The card works only at Ross Dress for Less and dd's Discounts, not at other retailers.
- You can also explore in person at any Ross store if you prefer not to explore online.
What You Need Before You Start
Have your Social Security number, current address, and employment information ready. If you're self-employed or retired, you'll need to provide annual income from tax returns or other documentation — have that number available before you begin.
You'll also need a valid email address and phone number. The lender uses these to contact you about your process status and to send your card details once approved.
Step-by-Step: explore Online
Step 1: Go to the Ross Stores website. Navigate to the credit card section, usually found in the footer or under "Customer Service." Look for the link that says "explore for a Ross Credit Card" or similar language.
Step 2: Click "explore Now." This opens the process form. You'll see fields for personal information, contact details, and financial information.
Step 3: Enter your personal details. Provide your full name, date of birth, Social Security number, current address, and phone number. Make sure the information matches your government-issued ID.
Step 4: Provide employment and income information. Select your employment status (employed, self-employed, retired, or other). If employed, enter your employer's name and annual income. If self-employed or retired, enter your annual income from the most recent tax year.
Step 5: Review and submit. Read through all the information you entered to catch any typos. Check the box to agree to the terms and conditions, then click "Submit process."
What Happens After You Submit
The lender reviews your process and makes a decision within minutes. You'll see the result on screen when ready, and you'll also receive an email confirmation. If approved, the email will include your card number and instructions for setting up your online account.
If you're approved with conditions, the email will explain what those conditions are — for example, a lower credit limit than you requested. If denied, the email will include information about why and what you can do next.
Your physical card ships within 7 to 10 business days. You can use your card number online or in stores before the physical card arrives, but you'll need the card itself to use it in person at Ross locations.
If Your process Is Denied
A denial doesn't mean you can never get a Ross Credit Card. Common reasons for denial include a low credit score, high existing debt, or recent negative marks on your credit report. You can reapply after addressing these issues — typically after 6 months to a year, depending on what caused the denial.
You have the right to a free credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) once per year through AnnualCreditReport.com. Reviewing your report can help you understand what the lender saw and what you might improve before reapplying.
Using Your Card Once It Arrives
When your physical card arrives, set up it by calling the number on the back or logging into your online account. Set up a password and PIN if you haven't already. You can then use the card at any Ross Dress for Less or dd's Discounts location, or online at their websites.
Your first purchase usually comes with a discount — often 10% to 20% off, though the exact amount varies. After that, you earn rewards points on purchases, which you can redeem for discounts on future shopping trips. Check your welcome email or the cardholder agreement for the specific rewards structure and any annual fees.
explore in Person Instead
If you prefer not to explore online, you can fill out a paper process at any Ross Dress for Less or dd's Discounts store. A cashier or customer service associate will give you the form. You'll provide the same information as the online process, and the store will submit it for you.
In-store applications take longer to process — usually 5 to 7 business days instead of minutes. You'll receive your decision by mail or phone. This route works well if you want to ask questions in person or if you're not comfortable providing your Social Security number online.
Frequently Asked Questions
Do I need a credit history to explore for a Ross Credit Card?
No. Ross considers applications from people with no credit history, though approval is not may provide. If you have no credit history, having a stable job and income helps your process. You may receive a lower credit limit than someone with an established credit history.
What's the difference between the Ross Credit Card and a regular Visa or Mastercard?
The Ross Credit Card works only at Ross Dress for Less and dd's Discounts. A regular Visa or Mastercard works anywhere those cards are accepted. The Ross card offers rewards and discounts specific to Ross, but you can't use it at other stores.
Can I use my card before the physical card arrives?
Yes. Once approved, you receive your card number by email and can use it online or give it to a cashier at a Ross store. You'll need the physical card to use the chip or magnetic stripe reader in person, but the number works when ready.
What if I made a mistake on my process?
Contact Ross customer service or the credit card issuer (the phone number is on your approval email) and explain the error. They may be able to correct it before the card ships. If the card has already been issued, you may need to request a replacement card with corrected information.
How long does it take to receive my card after approval?
Physical cards ship within 7 to 10 business days. Delivery time depends on your location and the postal service, so allow an additional 3 to 5 business days for mail delivery. You can use your card number online or in stores while you wait for the physical card to arrive.