Ross Mastercard® Credit Card Current Credit Card Agreements

The Ross Mastercard® Credit Card Current Credit Card Agreements filing from Comenity Capital Bank sets out a 32.24% purchase APR and no annual fee. The purchase rate sits at roughly the 76th percentile of the 4,587 agreements indexed here.

On the face of the filing

Comenity Capital Bank filed this agreement for Ross Mastercard® Credit Card Current Credit Card Agreements with the Consumer Financial Protection Bureau. It is issued on the Mastercard network and the filing runs 24 pages.

Terms captured from the document include a purchase rate, a balance transfer rate, an annual fee line and a late payment maximum. No figure appears for a cash advance rate, a penalty rate and a foreign transaction fee.

The purchase rate in context

Set beside the rest of the index, the purchase APR of 32.24% lands at the 76th percentile; it is dearer than the typical filing.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

What the rate means in dollars

A $5,000 balance left untouched for twelve months accrues about $1,901 in interest at this purchase rate.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $1,229. The gap — roughly $672 a year on $5,000 — is the price of this particular filing over a typical one.

Broken down to a single thirty-day cycle, the same balance accrues roughly $134.20.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Default pricing

$41 is the disclosed ceiling on a late payment fee, placing it near the 89th percentile of the set.

Fees, and what triggers them

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

For cash advances the filing discloses a cash advance fee of 33.24%.

Moving a balance onto this card carries an up-front charge of 26.99% of the amount transferred, with the transferred balance priced at 26.99%. On $2,000 that fee is about $540 before any interest is charged.

How it sits in the issuer's own range

100 separate Comenity Capital Bank filings appear in the corpus. Their disclosed purchase rates run from 14.74% to 35.99%, and this one at 32.24% is more expensive than 13 of them.

34 of the issuer's other 89 disclosing filings are likewise fee-free.

What you cannot learn from the filing

This page cannot tell you a foreign transaction fee, a grace period and penalty pricing, because the filing's disclosure table as read does not contain them.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Go to the source

The original filing, 24 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

At 32.24% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. The absence of an annual fee means the rate is the only thing that can make this card expensive.