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%APR284Reviews16Q&AContact
RewardsAPREditor ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
Rewards
Get 20% off your first purchase when you open and use your card.
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.
Receive a $10 Reward at every 2,500 points earned (spend $125).
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, plus a first-purchase discount of N/A.
Don't see what you're 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 Express Credit Card has a grace period of at least 25 days, lasting from the end of each billing cycle until the payment due date. If you pay your Express Credit Card statement balance in full every month, the issuer will not charge any interest.
Keep in mind that you are not required to pay the entire balance by the due date. But if you decide to pay less than the full amount due, you will lose the grace period. The remaining balance and any new purchases will then start to accrue interest that compounds daily. To get a credit card grace period back, you will need to pay the statement balance in full for two consecutive months.
It can take as little as a minute to get approved for the Express Credit Card. If you don't get instantly approved, it usually takes 7-10 business days to receive a decision on your application.
Having said that, you can check the status of your Express Credit Card... show more
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.
It's hard to tell, as they will take into account multiple factors and make a decision afterwards. And while many users report initial Express Next credit card limits of about $500, that can change if you have a good or excellent score, a credit utilization of around 30% or lower... show more
No, unfortunately you can't get a cash advance with your Express Next Card. It's a store card, so it's relatively easier to get, but it does come with some drawbacks, like not being able to use it everywhere, or not allowing cash advances.
Share your insights and review the Express Credit Card
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284 reviews
284 reviews
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Sonal Gadkar @winkitinks
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5 Star Rating
I have had this card for a year. I love this card because the store carries clothes I would need at work. You can even check in with the card, even if you dont buy anything and you get points which work towards a discount---usually 10$ 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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Nicole Williams @nicole_williams_07_18_09
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3 Star Rating
I have the Express Credit Card and I am pretty disappointed in it. If you are going to shop at the store anyways, this is a good card to have but make sure you pay your bill on time. Their website to enroll my card was not very user friendly, and my first payment was not processed - their fees are pretty high. The interest rate is comparable to other store cards, but at least the Express Card has rewards that slightly offset the high interest rate. I got 300 reward points for spending $20, so I guess I am on my way to my first reward. I am very interested in seeing what the "birthday gift" will be when the time comes.
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Melody Luciano @melodyl_4
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2 Star Rating
I used to use my Express Credit Card like crazy when I first started shopping at Express store. It offered good discounts and rewards. I was young then and didn't understand about Apr"s and finance charges. The check that I mailed never reached them one month so I ended up rolling over my balance and I couldn't believe the amount of finance charges I received on my next two bills. They charges me enough to pay for the dress that I liked but I thought was to expensive last time I was in the store. Immediately after that I put this card in my draw and I haven't touched it since. I now use my Chase card that has a 12.99%v Apr.
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Christopher Chartier @christopherc_37
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4 Star Rating
If you are a regular Express shopper, this is a good card. I have had this as well as other store cards and it is as competitive as all the rest, assuming you plan to pay the balance every month. Unfortunately you don't get a one-time discount on your first purchase but if you plan to use it regularly and for a long period of time then it's worth it. The interest rate is higher than what you could get on non-store cards, so if you aren't able to pay the balance in full then this is not the best card for you. The other downside (or upside?) is that the rewards will keep bringing you back for more shopping!
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Amelia Bladine @amelia.shaeffer
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3 Star Rating
The Express Store Card is a good option for someone who has good credit and uses their credit card often. They offer rewards, which is a big thing to look for when choosing a new credit card. However, the rewards program is not terrific. Other cards such as Chase Freedom Card offer a better rewards program, giving one percent cash back for every dollar spent. However, it is still a good card, with an average interest rate.
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Lauren Silva @lsilva2211
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4 Star Rating
This card is really enjoyable when you are shopping at express regularly. The interest rate is average and its easy to access the online website to pay your bill. If you are not using it regularly then the amount of time it would take to get the rewards seems impossible.
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