Express Credit Card Review
This is a
issued by Comenity.
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
- 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 oods if your credit score is above600.
Pros & Cons of Express Credit Card
- Cardholders receive an extra 5% off purchases (only upon request, in store)
- Points rewards offered.
- Yearly birthday gift for cardholders.
- No annual fee.
- Identity Theft Protection.
- Considers applicants with fair or poor credit.
- Cardholders can earn rewards on their purchases.
- Express 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.
- Does not include many credit card benefits.
Express Credit Card FAQ
Does Express Credit Card have a cash back or rewards program?
Express Credit Card is a rewards card.
Express Credit Card Rewards
|Minimum rewards rate
|Max rewards rate
|Annual rewards limit
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.
It has higher than average regular APRs.
It has a
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:
Express Credit Card Fees
|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 customer service phone number for Express Credit Card?
The Express Credit Card customer service number is (855) 796-9632.
What is the support contact email for Express Credit Card?
The support contact email for Express Credit Card is firstname.lastname@example.org.
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:
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.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.