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  Express Credit Card
Express Credit Card Unaffiliated

Express Credit Card

Unaffiliated
Net Recommendation Score -100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

0 users recommend
0 users are unsure
1 user doesn't recommend
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Highlights
Community Rating

Rating not yet determined  

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.

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

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:

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.

What is the customer service phone number for Express Credit Card?

The Express Credit Card customer service number is (185) 579-69632.

What is the support contact email for Express Credit Card?

The support contact email for Express Credit Card is webmaster@comenity.net.

What is the Express Credit Card login page?

You can access the Express Credit Card login page here.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Contact

Hours of Operation

  • Sunday 9:00am - 5:00pm
  • Monday 7:00am - 11:00pm
  • Tuesday 7:00am - 11:00pm
  • Wednesday 7:00am - 11:00pm
  • Thursday 7:00am - 11:00pm
  • Friday 7:00am - 11:00pm
  • Saturday 9:00am - 5:00pm

Other Services by Comenity Bank

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View all credit cards offered by Comenity Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
Minimum Interest Charge $2
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • 20x - 25x Points on Retail
  • 20x - 25x Points on Every Purchase
APR Type Variable APR
Balance Computation “daily balance (including current transactions).”
Purchase APR (Variable APR) 26.99%
Card Type
  • Rewards
  • Store Card
Card Network Other

Express Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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