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Purchase APR (Variable APR) | 26.99% |
Balance Transfer APR (Variable APR) | N/A |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
Express Credit Card Review
This is a store rewards credit card issued by Comenity Bank. If you're wondering whether Express Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- Generous reward rate. You will get a rewards rate of up to 25x.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 26.99%
- 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 will have good approval odds if your credit score is above 600.
The Good | The Bad |
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Does Express Credit Card have a cash back or rewards program?
Express Credit Card is a rewards card.
Minimum rewards rate | 20x |
Max rewards rate | 25x |
Annual rewards limit | N/A |
Does Express Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Express Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Express Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Express Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.Express Credit Card has a variable purchase APR of 26.99%.
Does Express Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Express Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Express Credit Card?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $0 |
Returned Payment Fee | up to $40 |
Late Payment Fee | up to $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
What is the support contact email for Express Credit Card?
The support contact email for Express Credit Card is webmaster@comenity.net.
How do people rate the customer service and user experience of Express Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Express Credit Card report your account activity to credit bureaus?
Yes, Express 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 Credit Card
- Visit the Express 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.
Contact
- Headquarters
-
12921 South Vista Station Boulevard
Salt Lake County
Draper, UT 84020 - Visit Site
- Email Support
Other Services by Comenity Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
No Annual Fee | |
Annual Fee | $0 |
No Interest Grace Period for Late Payment | 25 days |
Minimum Interest Charge | $2 |
Returned Payment Fee | Up to $40 |
Late Fee Amount | Up to $40 |
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