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%APR296Reviews17Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
Rewards
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.
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 application by calling customer service at (800) 201-4955.
Ultimately, you can expect to have your new credit card in hand in up to 10 business days after approval.
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...
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.
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...
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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296 reviews
296 reviews
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Dawn Maupin @dawn1
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4 Star Rating
The Express Store Card offers pretty generous rewards. The card gives users 15 points for every dollar spent with no limit on how many points you can earn. For every 2,500 points earned, you get $10.00. There is no annual fee. They even give cardholders a birthday gift! The Express Store Card is even approved for those with less than perfect credit.
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Cleo @thunderbat
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3 Star Rating
The Express Store card is a great option for those who already frequent Express. The rewards are earned fast if you shop there often, the fees are minimal (only if you miss payments, which hello! you really shouldn't on any card!), and it therefore gives you more incentive to shop often. My statements were not mailed to me which was somewhat of an issue, but the customer service surrounding this card was reliable and cooperative, they helped me resolve my problems.
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brittany @meganie10
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3 Star Rating
The Express Store Card is a great credit card for those who shop at Express a lot. It seems fairly easy to earn rewards while not having a lot of fees associated with the card. Despite this, it only works at one specialized store. A Macy's card or general credit card gives one access to a lot more variety while still allowing points to be earned.
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Jackie Fenimore @jackie.fenimore
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4 Star Rating
My express card allows me the ability to receive so many discounts at a store I already shop at. Who doesn't want that? It does have a higher interest rate than non-store credit cards, however most clothing store cards hover around this same rate in my experience. I just had a birthday and got a $40 reward, that's a lot! I am only giving it 4 stars because I feel like it took longer to reach A-List status than on some of my other cards. All in all, this is a great card!
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Scott Bryant @bryant1301
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5 Star Rating
As a frequent Express shopper, without the Express Store Card I felt like I was losing money each time I went to Express. Now I never leave home without it. The Express Store Card provides an excellent bonus and reward opportunity and points accumulate quickly. If you are a frequent Express shopper, then you need to get the Express Store Card. The APR isn't the best but just be responsible and pay off your card and bask in the rewards!
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Ashley Keenan @keenster
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4 Star Rating
I have had the Express Store card for about 8 months and I am actually surprised at how easily I am able to accrue reward points. One must spend $150 to get 2,000 points, which is very easy to do in this store. The APR is a bit on the high side, but perfectly fine if you pay off the amount owed each month. I have had to call their customer service line a few times and have received nothing but great service. I would definitely recommend this store card!
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Tina Marie @tinam_14
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4 Star Rating
The Express Store card has an above average reward program. It offers a $10 reward for 2,500 points earned (which is a little over $150 spent). This is a pretty good reward rate compared to other store cards, such as Gap. When you accumulate enough points to get to A-List status. At that point you get a $15 reward for every 2,500 points earned as well as other bonuses. I have this card and would recommend it to all shoppers of Express. The rate is high but the rewards program and the initial bonus are very nice. This is one of the better store cards out there.
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David Marcillo @davidmarcillo
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4 Star Rating
My mother in law swears by Express and spends a large portion of her money there. She has the Express Store Card and now, looking at the breakdown of it, I can easily understand why she loves it so much. As is the case with store cards, the interest rate is a little high. However, more than making up for it is the fact that the rewards structure is fantastic. You start off with a 15% discount and continue on earning 15 points for every dollar spent. At that rate, you'll easily reach the 2500 points required for a $10 reward. Beyond that, earn 7500 points (which will also happen before you know it when you're going 15 points per dollar) and you'll earn A-List status and be granted even more benefits. If you shop at Express, this is the card you want. Buy yourself some new clothes and before long you'll have some free clothes thanks to your rewards. Just like free food always tastes better, free clothes always look better, right?
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Andrew Lopez @andrew.lopez.50364592
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4 Star Rating
I buy lots of clothes at Express and I use this card quite often. One of the major benefits of using this card is the deep discounts offered. For instance every month I am able to spend $225 and get a $75 reward for the purchases I make. This card has on of the highest APR but I never carry my balances and pay monthly to avoid interest. Express Store Card also offers rewards point for future purchases, which come quite handy. I highly suggest this card to everyone, but make sure to pay your balances on time to avoid steep interest.
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Cody DeLong @photocody666
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3 Star Rating
The Express Store Card seems like a great deal if you shop there for all of your clothes. They offer you 15 points for every dollar you spend with a $10 reward at 2500 points earned, which is essentially $10 for every $167 spent on the card. If you know the prices of Express then this isn't difficult at all. The rate is not good at all so recommend paying your card off in full at the end of every month or that $10 sure won't be free.
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