Info about Express Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
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Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
Rewards
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.
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.
The Express Credit Card reports to the major credit bureaus Transunion, Experian and Equifax on a monthly basis, but there's no way to tell the exact date.
The easiest way to find out exactly when your activity is reported to the bureaus is by checking your credit reports.
No, unfortunately you can't get a cash advance with your Express Next Card. It's a store card, so it's relatively easier to get, but it does come with some drawbacks, like not being able to use it everywhere, or not allowing cash advances.
Share your insights and review the Express Credit Card
5
19%
4
54%
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14%
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6%
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5%
3.7
292.76 reviews
292.76 reviews
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Cindy Baril @cindyb_8
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3 Star Rating
One thing I don't like about the Express Credit Card is that it doesn't allow you to transfer balances. And although the regular APR is high at 24.99%, I like that there is a grace period, as well as a lowish late fee of $35.00. Compared to other cards I have had, the 25 day grace period is an attractive feature. Although I don't have this card right now, I think it is no worse than many others and possibly better than some that are available. The Express Credit Card rewards program would be a big incentive if I decide to get their card.
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Brian Frias @brianf_13
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3 Star Rating
One thing i did not like is the credit limit they gave me. They only gave me $500 line of credit. However, I really liked the the amount of points they give you for every dollar you spend. I was able to stay on the A list and rack up the rewards on a regular basis.
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4
Adam Maxey @adamm_14
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2 Star Rating
The Express Credit Card doesn’t look to be a very good credit card option for someone with established credit. The regular APR is high at a rate of 24.99% and there is no intro APR promotion. This card also doesn’t allow for balance transfers, cash advance, or foreign transactions. I see this card being best for someone trying to build up their credit. It offers a payment grace period, max late fee, and some nice rewards. If you can pay this card off monthly, it will help establish credit. A more favorable card would be the Citi Diamond Preferred Card. This card offers a 0% introductory promotion APR, a lower APR once the promotion has ended, and a rewards program.
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10
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Michelle Woody @michellew_31
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4 Star Rating
I really, really wish I had known about the Express Credit Card sooner. 15 points for $1 spent is FANTASTIC, especially considering that Express clothes tend to be on the pricier side before sales are taken into account. The $10 rewards are great, and you earn points on those as well so it's a win-win situation for the customer. This card is definitely worth getting if you shop at Express on a regular basis-- the benefits will add up quickly!
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Tommy Cabral @tommyc1
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2 Star Rating
There was one major thing that I found about the Express Credit Card that I did not like at all. I did not like the fact that there are a lot of "NA" markings for a lot of the questions, there is no smart chip, no foreign transactions allowed, there is no cash advanced allowed, no max over limit fee. All of these make it seem like a credit card that does not particularly care about the customers interest.
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Sonal Gadkar @winkitinks
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5 Star Rating
I have had this card for a year. I love this card because the store carries clothes I would need at work. You can even check in with the card, even if you dont buy anything and you get points which work towards a discount---usually 10$ off a purchase. I like the fact that its about 15 points for every dollar, so your points do tend to add up pretty fast. You can cash in these points at any time and another thing I do like--out of personal experience is that if you pay late once, I was able to talk to them to reduce or eliminate the late fee, because it was a first offense. The customer service with the card is great as well. I love how you get Birthday perks every year, and as far as Im concerned, not all cards do this. They have specific coupons for card members either by mail and sometimes in stores as well. Even if you're someone that doesnt shop too much at the store, I think this card is a great thing to have because its not necessary that you buy something to get points. I dont think the lack of cash advance is a problem because it is a store card and I feel that people arent too inclined to use that option with a store card per say. Overall, I really do recommend this card to anyone that has any interest in clothes at all.
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Adam Sanders @adam.sanders.336
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4 Star Rating
While 24.99% APR is quite high, I feel like this cards terms are actually pretty good. A grace period of 25 days and a max late fee of only 35 dollars seems reasonable. With no earn/redeem limit, you can cash your points in anytime. Recieving a yearly gift on your birthday just for having the card is always nice and 15 points per 1 dollar spent is considerably better than my Bank of america card. overall I would say that the Express Credit Card is a convenient and fun way to earn points and gain rewards. I would recommend this card to friends and family.
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Samantha Kass @samanthak_4
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5 Star Rating
The Express Credit Card was one of my favorite credit cards. It came with lots of rewards especially when combined with their Next Program. Free Shipping, greater rewards, discounts. Loved it. Also, customer service was great when I had issues and they worked with me during some rough times. Definitely recommend if you shop there a lot. Having both the card and the reward card, I have received double the rewards. The website to pay is easy and efficient with no hassles.
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Oliver Flew @oliver.frantz.7
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3 Star Rating
Express card is worth it if you shop there regularly. You get 15 points for every dollar you spend and get a $10 reward for every 2500 points you earn. If you do the math you get a $10 coupon for approximately every $167 you spend. This is not a bad deal if you pay off your balance every month, as is the case with more store credit cards!!
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Maryann Capanna @maryann.capanna
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4 Star Rating
I like this card since my son wears alot of Express clothing. He really likes the Rocco jeans. It is very easy to pay my bill on their site. If you have to call customer service, they are very friendly. I do not like the high interest rate, but their online clearance sales are awesome. And they also have great discount offers like Spend 150.00 and get 30.00 off as an example. And on top of all that you get points for every dollar you spend. Usually you get a $10 dollar reward for 2500 points so the downside is that I shop way too much. The discounts can not be beat!
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