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%APR290Reviews17Q&AContact
RewardsAPRWalletHub 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).
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
55%
3
14%
2
7%
1
5%
3.7
290 reviews
290 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
Tina Marie @tinam_14
Report Abuse
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.
show more
show less
Comment
0
2
David Marcillo @davidmarcillo
Report Abuse
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?
show more
show less
Comment
0
1
Andrew Lopez @andrew.lopez.50364592
Report Abuse
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.
show more
show less
Comment
0
3
Cody DeLong @photocody666
Report Abuse
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 $10 sure won't be free.
show more
show less
Comment
7
0
Ray Fath @ray_fath
Report Abuse
4 Star Rating
This card is very adventitious for those who are looking to earn points for money they have spent. You earn 15 points for every dollar spent without limitations on what you purchase. You will receive a 10$ reward for every 2500 points you collect, with an upgrade to A list status at 7500 points. In addition to the points you can earn this card has absolutely no annual fee. You will also receive a grace period of up to 25 days on purchases. This is a great card for people who like to travel like my self as there are no foreign transaction fees. Overall this is a very high quality card with many perks and with out the down side and limitation you incur with many other major credit cards.
show more
show less
Comment
10
1
Jay Freiheit @jason.marshall.73307
Report Abuse
3 Star Rating
This card has a higher regular rate, at 25% than I am personally comfortable with or would recommend for anyone. Perhaps for people with less than perfect credit scores this is something they would be willing to overlook but I would strongly suggest that people steer clear of interest rates this high if possible. Looking at the points system, you get a $10 reward at 2500 points. To reach 2500 points one would have to spend $166 dollars. So, $10 back after spending $166 isn't spectacular but it's better than nothing. With the price of clothing it is certainly something to consider. If you really love shopping at Express though and can pay your balance off each month, you can't really go wrong with this card. At 7500 points you become an A-list member which allows you to get $15 dollars back for every 2500 points you amass instead of the regular $10. A-list members also get free shipping on items they buy from the online store and receive a birthday gift up to $40 in value. Not bad for someone who loves to shop at Express, just a very high interest rate to take into consideration when deciding whether or not to apply for this card.
show more
show less
Comment
36
1
Krystal Marie @krystalm1
Report Abuse
4 Star Rating
I've really enjoyed my Express Store Card! You only need a fair credit score, which really gives access to a broad range of customers. You don't get an initial bonus like most other store cards, but their reward points system is great! You get 15 points for every dollar spent on your Express Credit Card, you receive a $10 Reward for every 2,500 points earned and there is no limit on their rewards! Their interest rate, around 25%, is on the high end of average, compared to other store cards. Although, I think if you consider the rewards program, it really pays off to have this card, especially frequent Express shoppers!
show more
show less
Comment
6
1
Jon Fuller @jsfuller12
Report Abuse
3 Star Rating
This is a decent card if you need a new one and have fairly good credit already. The rewards point gain is somewhat lower than other cards I have dealt with in the past, and their APR is higher than most of their competitors cards. Great choice if you intend to pay off the balance in full every month, otherwise not so good. The points can be used for a variety of things however, and the card is good if you already spend a lot with them normally. Overall, this is a decent card with some slight flaws.
show more
show less
Comment
4
0
Richard Thompson @richard.thompson.1000
Report Abuse
4 Star Rating
At a nearly 6% rewards rate for every dollar spent, the Express Store Card has a slightly higher rewards ratio than most other store cards. It is unfortunately offset a bit by the slightly higher than normal 24.99% APR that would quickly eat away any savings you made if you didn't pay the balance off monthly. Small perks like a gift on your birthday and opportunities to gain rewards even faster help ease the sting of the high APR. Spend $500 on the card and you'll be upgraded to a-list status which offers additional rebates and an increase to 20 reward points per dollar spent, as well as free shipping from their website. The perks once you reach A-list really make the card shine, and are well worth it.
show more
show less
Comment
1
0
Maggie Caraveo @maggie.caraveo
Report Abuse
4 Star Rating
I like the express store card. I am a big advocate of store cards that give incentives to having the card such as birthday gifts and reward certificates for points. It creates a loyalty and excitement to making purchases. The interest rate however is very high. I believe it is one of the high ones I have seen. This is definitely going to be a card you should pay off immediately and only use for points gathering. I appreciate the fact that this does not require an annual fee. Overall, this card is great option if you frequent Express often. It will enable you to build up points and get a ton of savings. If you only go to Express sparingly I would not recommend this card due to the high interest.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
