Express Credit Card Reviews (2023)Reviews, rates, fees and rewards details for the Express Credit Card. Compare to other cards and apply online in seconds.John KiernanWalletHubNo membership feesHigh rewards rate20 % initial rewards bonusQualify with fair creditHigh Regular APR
Info about Express Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards%APR299Reviews16Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
Rewards
Receive 20% Off your first purchase the day you apply. Application and approval must occur same day to receive the offer.
Get up to 10% back in Express Cash on every Express Credit Card purchase
Earn 20 points for every $1 spent on your card.
Level up to A-List status when you reach 10,000 points and earn 25 points per $1 spent, plus additional benefits.
The Express Credit Card is a good store credit card for people with fair credit or better who like to shop at the clothing store Express. The Express Card has a $0 annual fee and gives 20 points per $1 on purchases.
Can't find what you are looking for? Submit your question about Express Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
The easiest way you can pay your Express Credit Card is either online or over the phone at (800) 201-4955. Alternatively, you can make a payment via mail. Unfortunately, you cannot pay your credit card bill at an Express store.
How to Pay Your Express Credit Card
Online: Log in to your online account or use the EasyPay feature in order to pay your bill.
Over the phone: Call (800) 201-4955 to make a payment over the phone.
Via mail: To pay your credit card via mail, send a check or money order (but not cash) to the following address: Comenity Bank PO Box 650972 Dallas, TX 75265-0972
If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date.
You can only use your Express Credit Card at Express stores, or for online purchases on their website. Since the Express Credit Card is a store credit card, it can only be used at the retailer it is affiliated with.
The credit score you need for the Express Credit Card is 640 or better. That means people with at least fair credit have a shot at getting approved for this card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact...
You can only check your Express Next credit card application status by phone. For this, you need to call their customer service line at (888) 397-1980 and then provide your application reference number.In order to get the credit card approved you must have at least 18 years of age,...
Comenity Bank, the issuer, regularly evaluates customers for automatic credit limit increases 6-9 months after the card has been opened if it's frequently used. This will cause a harmless soft inquiry on your credit report.It's also possible to ask for a credit limit increase if you've had the card for...
To use the Express Credit Card for online purchases, simply go to express.com and select the items that you want to purchase. At checkout, if you're logged in to your account, you will have the option to select your Express Credit Card as the method of payment.
Share your insights and review the Express Credit Card
5
19%
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53%
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14%
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7%
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6%
3.7
299 reviews
299 reviews
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Donna @dc7658
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1 Star Rating
Verified Customer
Always difficult to schedule payments . One day after payment due when paid in full they lower my credit card amount . I won’t be using this card moving forward
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Wanda @wandajackson0520
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4 Star Rating
Verified Customer
Can’t access my online account, my email is showing invalid and of course I don’t have the correct password bc the email is an error
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Aaron P @aaronp_208
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2 Star Rating
Mediocre benefits, ruined credit due to system outage. On the day my reminder went off to pay the card, their system was down for maintenance. I had a $7 balance. Unfortunately I forgot to return and make the payment the next day. The previous month I had over $400 that I paid off, and I've had the card for over 10 years with no previous late payments. They never notified me of the late payment until my credit monitoring alerted of a 30-day late. I called customer service, the rep assured me they would help and revert the late fees and the late credit reporting. None of that ever happened. I had to pay the late fees and after 2 more CS contacts including a formal letter they refused to help. I understand it's not necessarily a requirement to help in this circumstance but I think most other banks would have. Years ago I had a similar situation with Amex and they helped no problem.
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Laura @chickflix29
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5 Star Rating
Verified Customer
I love shopping and express they make it very easy especially if you need something quick and a pinch great place to shop great credit card
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Kristen @raven_12273
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5 Star Rating
Verified Customer
I've had this account opvn for a really long time with no problems. I will continue to do business for many more years to come. Great clothes will made at good prices
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Gena @genab_2
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1 Star Rating
Verified Customer
Bull crap card. I will be closing all of my Comenity Bank accounts, now that I have see it is a scam card. I went online to pay. I paid what showed as my current balance and it left a .69 balance that caused a over 30 report on my perfect credit.
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Tina @tinam_114
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2 Star Rating
Verified Customer
I used to use this card on a monthly basis for work clothes. The company has changed their style too much and no longer suits me. Plus the prices are too high now.
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Michelle @michellecadle870
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3 Star Rating
Verified Customer
Since Bread has bought Comenity they aren’t reporting each month & it’s affecting credit scores. I have multiple cards with them. It’s extremely upsetting. It’s not been updated since June 2022.
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sapna152s @sapna152s
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1 Star Rating
Worst credit card interface ever- Comenity does not show the total balance due only minimum then they charge you late fees and interest continuously and you never know how much you owe. DO NOT GET THIS CREDIT CARD
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Haade @ramadanhaade
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1 Star Rating
Verified Customer
Closed my account for no reason. Constantly gave me trouble by changing credit limit on a frequent basis. Making payments on the card was a hassle every time.
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