Express Credit Card

Express Credit Card Review

This is a store rewards card issued by Comenity Bank. If you're wondering whether Express Credit Card is the right card for you, read on.

Key Takeaways

• Generous reward rate. You can 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.

Pros & Cons of Express Credit Card

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. Identity Theft Protection. Considers applicants with fair 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	20x
Max rewards rate	25x
Annual rewards limit	N/A
Signup Bonus ($)	N/A

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%.

What are the fees for Express Credit Card?

The following fees apply:

Express Credit Card Fees

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.

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.