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
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%
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55%
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14%
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7%
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5%
3.7
290 reviews
290 reviews
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Corey Schain @thatswhatsup2001
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3 Star Rating
The Express store card has some pretty good features, but it does fall short in a couple of categories. This card isn't bad, but I've had better store cards. The Amazon card offers interest free purchases for select amount of times. The interest rate on the Express Store Card is quite high, but so are most store cards. If you shop at Express and are responsible with your credit then I would recommend this card. The approval rate seems to be fairly high and the rewards are good if you can justify spending enough money to get them. Good luck!
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Angel Colon @angel.colon.1291
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4 Star Rating
I have a positive experience using this card. The rate is pretty much standard compared to other clothing stores. My credit limit was fairly high so I never worried when I needed to buy an extra shirt for work or something. The good thing about this card is receiving all the rewards. They’ll always send you coupons in the mail and if you spend enough they’ll upgrade you to the A-List card which gives you bonuses every time you spend so much money. I’ve enjoyed this perk, and I’ve gotten bonuses of $15 and $30 to use however I wanted within the store. They also always send me something for my birthday. I am very pleased with the card and have had a positive experience
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Jenny Wauson @jenny_kawczakwauson
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2 Star Rating
The rate on the Express Store Card is about average for most cards but much higher than what I am comfortable with. If you shop in Express stores very often this may be a good card for you but the points and rewards are borderline low. I prefer my Lowes card that has an introductory offer of 0% interest for the first year. If the express card offered something like that or even another incentive for an introductory offer then I would be more likely to be interested in it but as my opinion stands now it is a bottom of the line card, only slightly above the cards that charge you to have them.
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Bela Kalinova @bela.kalinova
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5 Star Rating
This card is for people who regularly shop at Express. The Express Store Card is useful if you make large and frequent purchases at any express stores, or even online. There are very few fees associated with this credit card, which is nice for a change. I like the fact that there are rewards programs for people who hold this card. You basically get 15 points for every dollar spent. This is a relatively good rate compared to a lot of other retail store credit cards. I would highly recommend this card to any Express shopper who is looking to make savings in the long run.
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Ben Matthews @ben_matthews_948494
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4 Star Rating
The Express Store Card is really great if you love shopping at Express. The way their reward system breaks down is that you get a $10 reward for every $166 you spend at the store. It comes out to about 6% back which is huge! For comparison, most store cards top out at 5% back, like the Target RED card for example. 6% back is just a nice bonus, and the cash out threshold is not that bad either. I would recommend this card if you shop there a lot, as you can't spend it outside of Express to earn points to get to cash out on your rewards.
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Alexis Beth @missalexisbeth
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4 Star Rating
The Express Store Card is a godsend for those of us addicted to Express. Let me just start by saying that any company who gives me a birthday gift is off to a great start! Huge plus. The high interest rate, though, is a bit of a trade off for me. I pay my bill(s) off basically as soon as I get them and I recommend the same for other potential Express Card cardholders. 15 points for every dollar spent is great, especially compared to other cards...like my Saks Fifth. The downside is that this can't be used anywhere else! Overall, this is great for the frequent Express shopper.
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Constantina Hauser @radio4by4fan
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5 Star Rating
I love shopping at express stores so this cards make a great selection for me. Though this card has a high interest rate, I usually pay off my balance at the end of the month and avoid fees. What I really enjoy about the Express Store Card the reward program that earns me more as I spend and shop at my favorite clothing store. This card also provides points for every dollar spent and you can later use this points to shop even more. Overall I am absolutely satisfied with this card and this is the only clothing store card I will ever have.
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abigail lee @leeabigail88
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4 Star Rating
The express store credit card is good if you shop here a lot. You have to wait until they have their items are on sale to get the most out of your shopping experience. 15 points for every dollar spent is just alright. They do send you a birthday gift, which is a pretty nice perk of having. I don't really use this credit card out side of express. I use it mainly for clothes and just that. After so many months, your points do add up and you can redeem them for $10 reward. Overall a good credit card if you shop at express a lot. If not, then don't get it.
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ursula kafka @tragicflaw
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4 Star Rating
The Express Store Card is a slightly better than the run of the mill store cards out there. It offers rewards at a very confusing rate but if you can figure it out, more power to you. If you do a lot of shopping at Express you can rack up points pretty quickly. If I'm doing my calculations right, it's around 6% cash back on Express purchases. That's 1% more than the average store card, but you can't use it anywhere else. The interest rate is a bit high but that's standard with store cards so it's not a big deal. You don't have to carry a balance if you don't want to pay the interest. It's a decent card for Express shoppers.
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5
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aadff bdaf @fikashta
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4 Star Rating
The Express Store Card is nice for those who frequently shop at Express. The rewards program is kind of deceiving since you get 15 points per dollar spent there, but only a $10 credit for every 2,500 points. That's a little more than half a cent on the dollar, which is a bit better than most other store cards give. The monthly bonus points events make it seem easier to earn rewards points quickly, so that's a plus. This card seems to be a pretty decent store card. The free birthday gift is also nice to get. Express really set themselves apart from other boring store cards. However, you should only get this if you frequent the store.
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