Express Next Credit Card Review
Express Next Credit Card is a
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
- 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.
Express Next Credit Card Pros & Cons
- 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.
Express Next Credit Card FAQ
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:
Express Next Credit Card Rewards
|Rewards rate (all purchases)
|Max rewards rate
|Annual rewards limit
|Signup Bonus Spend Requirement
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
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.
Express Next Credit Card Purchase Intro Offer
|Purchase Intro APR Period (months)
What are the fees for Express Next Credit Card?
The following fees apply to Express Next Credit Card:
Express Next Credit Card Fees
|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:
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.
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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.