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express credit card review

Express is a major retailer and like many other retailers today, it offers its own credit card. Applying for the store credit card from Express can save you money when shopping from the store. However, you would have to use the card a lot before you can actually start benefiting from it. If you frequently shop at Express and are considering adding an Express card to your wallet, read this comprehensive Express credit card review.


The Express Next Credit Card

express next credit card

The store credit card offered by Express is called the “Express Next Credit Card”. It’s fairly easy to set up and offers standard rewards program allowing cardholders to collect points on purchases made from the store with the credit card. The points accumulate over time and once you have collected enough points, you’ll get a reward certificate. This card also gives you access to exclusive offers and discounts.


Since the Express card isn’t affiliated with major payment networks, you can only use it to make purchases at Express stores. The rewards can also only be utilized at Express.


Pros of the Express Credit Card

Express Credit Card quick benefits:

  • Cardholders earn 20 points per every $1 they spend at Express stores, both online and in-store.
  • 20 percent off on first purchase
  • At 2,500 points, you get a $10 gift card.
  • Upgrading to A-List status by getting 7,500 points within a year gives better benefits
  • Complimentary birthday gift
  • No annual fee


The Express Next Credit Card provides a few benefits that may enhance the experience of Express shoppers. Like most store credit cards, the Express card doesn’t have an annual fee. Once you’re approved for the credit card, you’ll receive a 20% discount on your first purchase made with the card.


It offers great reward opportunities. The Express Card reward program is similar to the program included with standard store credit cards. When shopping at Express stores, you’ll earn 20 points per every $1 you spend. Once you collect 2,500 points, you’ll be awarded $10 gift card. A-List credit card holders (details below), will get $15 gift card.


Aside from the discount on card approval and rewards program, you’ll receive additional benefits like access to special offers and birthday gift.


If you earn 7,500 points in a year, your Express Next Credit Card will be upgraded to Express Next A-List Credit Card. A-List cardholders get additional benefits like free standard shipping on orders from Express and premium birthday gift.  


Cons of the Express Card

Express Credit Card quick cons:

  • Limit on the card
  • High APRs
  • No special financing offers


While the card does offer good rewards and discounts, there are certain things that aren’t that feasible. For instance, the card comes with a very high APR – 28.49 percent variable. This isn’t a problem for you if you can pay off your balance in full every month. But, if you often carry a balance on your credit cards, you will pay handsomely in interest. Another downside of Express Credit Card is that many new cardholders receive a $500 or $750 credit limit. There are several factors that determine the credit limit, but a low credit limit makes it difficult for people to charge their entire purchase on the card.


Credit Score Needed for Express Credit Card Approval

Comenity Bank, the issuer of Express Credit Card doesn’t specify the minimum credit score required for this card. However, you have a good chance of qualifying if your credit score is in the range of 600-650. Since the card doesn’t have an annual fee, you can use it for rebuilding your credit. However, be careful about the high APRs and always pay off your balance in full on time.

express credit card


Express Credit Card Login Information

You can sign in into your credit card account by visiting the Express credit card login page. Enter your username and password to login into your account. From your account, you can check your statements, pay bills, make payments and more.


Is the Express Card Right for You?

The Express Credit Card can certainly save you some bucks when you’re shopping at Express stores. This credit card does offer good rewards and discounts allowing you to save money on your purchases. But, are the rewards and discounts worth it?


The 20 percent off on your first purchase will save you money, but it’s only for one time. You’ll collect 20 points per every $1 spent and once you have collected enough points, you’ll be given a gift card. As an Express Next cardholder, you’ll also receive a birthday gift. Express Next Credit Card is very limited and Express doesn’t have a MasterCard version of its credit card like other stores. So, you can only use the card and its associated rewards at Express stores.


It also comes with a very high 28.49 percent variable APR. That means if you can’t pay your balance in full every month, you’ll be paying high interest rates.


If you frequently shop at Express and shop big, then the Express Next Credit Card could be right for you. You’ll surely save a few bucks from the rewards programs and exclusive discounts on the card when shopping at Express. However, if you usually struggle to pay off your balance in full on credit cards, it would be best to steer clear of this card. It’s also not the right card for you if you don’t frequently shop at Express stores as you won’t be able to accumulate enough points to be eligible for in-store credit.


Alternative Cards for You

If you don’t usually shop at Express stores, then Express Next Credit Card might not be right for you. Instead, you should consider other credit cards like the Chase Freedom Unlimited card that offers the best introductory zero-percent APR. Once you’re approved for this card, you’ll be given a limited time zero-percent introductory APR that applies to both balance transfers and purchases. There are also other perks associated with this credit card like the signup bonus points and No annual fee.


Our Last Thoughts on the Express Credit Card

In a nutshell, Express Next Credit Card is a good option for those who frequently shop at Express stores or shop big when they do shop at the store. Once you’ve earned enough points, you’ll be awarded in-store credit which can save you a few bucks. Not only that, but you also get access to exclusive offers and discounts as a cardholder which may allow you to save more money. However, if you aren’t an avid Express shopper, then you won’t get much value from the Express Next Credit Card. Instead, you should consider other credit cards that offer cash back and rewards that can be redeemed at different stores or the stores that you frequently shop from.



The 3 Best Alternative Credit Cards to Consider

Maybe you can do better than this credit card. If you have good credit, you should consider a few other options that will give you better benefits. The credit cards below are a few of our favorites, especially if you’re interested in traveling more. A few of these cards have signup bonuses that are big enough to redeem for multiple round trip flights. My wife and I used our Chase Sapphire Preferred signup bonus to book round trip flights for the both of us to Hawaii! It was well worth researching and getting the best credit card.


 Cash Back AlternativeCash Back AlternativeTravel Rewards Alternative
Chase Freedom
Chase Freedom Unlimited
Sapphire Preferred
Signup Bonus$150 (15,000 pts)$150 (15,000 pts)60,000
Bonus Spending Categories5X on select rotating quarterly categories1.5X on all purchases2X on travel and dining
Annual Fee$0$0$95
Extra PerksBaggage insurance, trip insurance, rental car insurance
Best for People Who...Want no annual fee

Also have a Sapphire card

Want to earn bonus points on spend
Want no annual fee

Also have a Sapphire card

Want simple 1.5 bonus
points on every purchase you make
Want a large introductory bonus

Like to Travel
Learn More >>Learn More >>Learn More >>


Decision Time: Which Credit Card is Really the Best for You?

Here at Travel Freedom, we like to travel, which is why we always prefer travel credit cards for ourselves. You might be the same as us or maybe you’d rather use your points as cashback. Either way, all of these cards earn Ultimate Rewards that can be used for either travel or as cash back.


We think that any four of these cards are a better option than the above-reviewed credit card. They earn points that are both valuable and very versatile. You can redeem them for an assortment of things including our favorite, TRAVEL!

Review Date
Reviewed Item
Express Credit Card
Author Rating

About Ryan

Ryan loves to travel. He learned the power of using points and miles for travel way back in 2012 and hasn't looked back. Ryan's favorite place to travel is to Hawaii, where he's explored each of the main islands. Travel has changed his life for the better and opened him up to new experiences!

Advertiser Disclosure: Travel Freedom has partnered with CardRatings for our coverage of credit card products. Travel Freedom and CardRatings may receive a commission from card issuers.