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%
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54%
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3.7
292.76 reviews
292.76 reviews
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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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5
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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5
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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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Mollie Montgomery @molliemont73
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2 Star Rating
I find the terms of the rewards points offered in the deal for the Express store card confusing: $1 is equal to 15 points and you get $10 once you reach 2500 points. I wish the deal stated more clearly how much you must spent to get how much cash back. I think you get $10 for about every $166 you spend, but I'm not sure. If that is the case it a better deal than my other credit card, which offers 1% cash back, however the terms are more confusing and less clear cut. I like that you can get more benefits when you reach 7500 points, but would like to know what they are. The deal doesn't say. The interest rate it high, at 24.99%. This is higher than my current credit card. All in all I find the terms of the rewards less than clear and the interest rate high.
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Vincent Hou @vincentlocke
Hey, thought I'd explain at least as I know it - After 7500 you are considered an 'express next a-list' member. This means two things of value: 1) you get $15 every 2500 points, instead of $10 (so it's $15 back every $166 you spend) which is like 9.5% 'cash back' to use at express 2) I think the only other thing is a "premium" birthday gift. For me, they sent me a $40 off coupon for my birthday (which fine print says is only usable on full priced items) - being that guys' stuff at express is full price in the 60-80$ range this means I can buy a shirt or jeans for 20-40$, which is like getting 30-50% off. Since Express' regular "sale" is usually that %40 off or the x dollar of y purchase -- e.g. $100 off $250 (which is the same as 40% off) - it's more or less like a 'choose your own 40% off one item day' card. Handy, but not the best thing in the universe. That said, for girls' stuff I suppose you could get something entirely free for $40. Or I suppose gloves/scarves etc. ANYWAY. I've had an express credit card for years and love it. But, that's also probably because almost all my clothes come from express or banana republic exclusively. So every year I get something like $180 back from Express, which is nice when used in conjunction with sales. The interest rate IS totally super high, which is why I would recommend ONLY using this credit card to buy stuff at express (where you get the most points per dollar spent). I never carry a balance on this card, so that means I only go shopping when I have the cash in hand. Sounds complicated but after a while you totally get used to it.
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Vincent Hou @vincentlocke
OH, and they have really handy things like DOUBLE points in december, so it's $30 points per dollar, which effectively means $15 back every $83 spent! So... if you wait for a sale (and there are many in december like 40% off) and buy say a $140 jacket and a $35 shirt, it's like getting the shirt for free almost!
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Rachel Wolfe @rachel_k_wolfe_1
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5 Star Rating
I have had an ExpressNext card for about 7 years and I absolutely love it! The interest rate is about average, but the potential for rewards is wonderful. I receive coupons and discount cards in the mail almost every month, and my rewards are also logged in with the store. That means that I don't have to remember to use them myself - the representative tells me how many I have. Overall, I love the benefits I receive with this card. I will definitely keep it.
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Warren Weatherford II @warren.weatherford
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3 Star Rating
The Express Next card seems pretty mediocre when it comes to store credit cards. The APR is high, but average. I honestly expected the card to have a much better reward system. 2,500 points seems like an awfully high amount for just a $10 reward. However, the 15% discount can really add up and save me money off my purchases. I'm looking forward to experiencing the savings of this card, but I still believe there are probably better store credit cards out there.
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Anna Borja @anna_borja_144
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4 Star Rating
The Express Store Card is a pretty standard store card, though it does seem to have a lower bonus payout at roughly $167 spent to receive your $10 bonus. Most store cards I have experienced have a $10 payout at about $250 spent so this a major bonus, the birthday gift is a nice touch as well. One thing worth noting however, is that there are no double or promotional points offered with this card, unlike the Victoria's Secret, Best Buy, or most store cards out there. The APR is high but standard for a store card. In short, if you shop regularly at Express and plan to pay your balance each month this would definitely be a beneficial card to have.
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Derek Jenson @derek_jenson_14
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5 Star Rating
This card is great. It offers a lot of rewards and benefits. The interest rate is comfortable to most store cards I don't understand the complaints about it. If you pay your balance off monthly as you should be doing anyways this card works out very well. I have it for my fiance she shops there regularly. The bonuses you get are well worth it, and add up quickly. This card has better rewards than my Sears card and the exact same interest rate. Would definitely recommend.
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