
Express Next Credit Card
in Personal Credit Cards from Comenity
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Purchase APR (Variable APR) | Starting at 29.24% |
Balance Transfer APR (Variable APR) | N/A |
Credit Score Range | 600 - 850 |
Annual Fee | $0 |
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 |
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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
Rewards rate (all purchases) | N/A |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus Spend Requirement | $0 |
Does Express Next Credit Card have a signup bonus?
Express Next Credit Card doesn't offer a cash signup bonus.Does Express Next Credit Card offer an annual loyalty bonus?
Express Next Credit Card doesn't offer a cash loyalty bonus.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% .
Does Express Next Credit Card have an introductory APR offer on balance transfers?
No, Express Next Credit Card does not come with an introductory APR offer for balance transfers.Does Express Next Credit Card have an introductory APR offer on new purchases?
Express Next Credit Card does not offer an introductory rate on new purchases.Description | |
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Introductory Rate | N/A |
Purchase Intro APR Period (months) | N/A |
What are the fees for Express Next Credit Card?
The following fees apply to Express Next Credit Card:
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.
Contact
- Headquarters
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12921 South Vista Station Boulevard
Salt Lake County
Draper, UT 84020 - Visit Site
Other Services by Comenity

Availability
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Feature Breakdown
No Annual Fee | |
Annual Fee | $0 |
No Interest Grace Period for Late Payment | 25 days |
Paper Statement Fee | $0 |
Minimum Interest Charge | $2 |
Returned Payment Fee | Up to $39 |
Late Fee Amount | Up to $39 |
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