Express Next Credit Card Review

Express Next Credit Card is a store rewards credit card issued by Comenity. If you're wondering whether Express Next Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 29.24%
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.

The Good	The Bad
Cardholders receive an extra 5% off purchases (only upon request, in store) Points rewards offered. Yearly birthday gift for cardholders. No annual fee. Considers applicants with fair or poor credit. Cardholders can earn rewards on their purchases. Express Next Credit Card reports to multiple credit bureaus.	High interest rate. This is a store card only. It cannot be used for other purchases. Higher than average purchase APRs. Does not offer a signup bonus. You don't earn rewards on every purchase. Does not include many credit card benefits.

Is there a Express Next Credit Card cash back or rewards program?

Express Next Credit Card offers a rewards program to its customers. This card features rewards for purchases in the following categories:

• Retail

Express Next Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus Spend Requirement	$0

What are the relevant APRs for Express Next Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Express Next Credit Card has higher than average purchase APRs.

Express Next Credit Card has a variable purchase APR starting at 29.24% .

What are the fees for Express Next Credit Card?

The following fees apply to Express Next Credit Card:

Express Next Credit Card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	up to $39
Late Payment Fee	up to $39

Does Express Next Credit Card report your account activity to credit bureaus?

Yes, Express Next Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Express Next Credit Card

• Visit the Express Next Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.