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 $500, that can change if you have a good or excellent score, a credit utilization of around 30% or lower...
No, unfortunately you can't get a cash advance with your Express Next Card. It's a store card, so it's relatively easier to get, but it does come with some drawbacks, like not being able to use it everywhere, or not allowing cash advances.
Share your insights and review the Express Credit Card
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20%
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3.7
296 reviews
296 reviews
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Ray Fath @ray_fath
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4 Star Rating
This card is very adventitious for those who are looking to earn points for money they have spent. You earn 15 points for every dollar spent without limitations on what you purchase. You will receive a 10$ 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.
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10
1
Jay Freiheit @jason.marshall.73307
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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.
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Krystal Marie @krystalm1
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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!
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Jon Fuller @jsfuller12
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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.
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Richard Thompson @richard.thompson.1000
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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.
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Maggie Caraveo @maggie.caraveo
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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.
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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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