Rewards With Express Credit Card

Earn rewards with Express Credit Card, a store card issued by Comenity Bank. This is a card designed to enable you make the most of your shopping at Express stores only. This card comes with lots of points, benefits and rewards to make your shopping most rewarding.

Express Credit Card

What makes Express Credit Card unique?

  • Express Credit Card is unique, giving you 20 points for every $1 spent at Express both in-store and online
  • Get 20% off your first purchase
  • There’s a 10 reward certificate for 2,500 points
  • Enjoy complimentary birthday gift
  • You can upgrade to A-List status for better benefits by earning 7,500 points.
  • No annual fee charge on the card.

Rewards Program

The Express Next Rewards Program is offered by Express. The program terms and conditions may change at any time. Qualifying purchases, do not include, and points are not earned on purchases covered by the redemption of a Reward or program coupon, purchases of gift boxes and gift wrapping services online, redemption of GiftCards, sales tax, state fees, shipping charges or delivery.

Rewards Terms & Conditions

  • Complete your online profile at to get the birthday benefit.
  • If you do not get your birthday offer by your birthday month, you may call the customer service center at 1.888.397.1980 for your offer
  • As a cardholder, you need 7,500 points to get to A-List status which is to be earned within the program year. The earning period is slated to begin from March 1 to the last day of February of the following year.
  • Only Express Next Credit Card accounts in good standing will be upgraded to A-List status.

What Fees/Rates should I expect?

  • Annual Fee – $0
  • Regular Purchase APR – 28.99% (Variable)
  • Late Payment Fee – Up to $38
  • Returned Payment Fee – Up to $38
  • Cash Advance Fee – Nil.

How do I apply for the card?

Scroll to the Comenity Bank portal, and provide the following details; first name, last name, date of birth, social security number

Enter your Annual income

Choose between Street address or APO/Fee or Rural Route Address. Key in your House number, Street name, Apt (optional), City, State.

Key in your Home phone, Work phone, Email (optional), Confirm email

Review the terms and conditions of the card and agree to it

Tap on the “Submit” link.

Where can I use my Express credit card?

You can use your Express Next credit card at Express and

Is Express Credit Card good?

ExpressNext Credit Card, is not linked with any major payment networks, this implies that it can only be used to make purchases, earn rewards at Express locations.

Can I use Express Credit Card online?

You can only use rewards online at Express, Express Men, Express Factory Outlet stores in the U.S. or online at You can’t use them to purchase gift cards.

What payment options are available?

 Online Payment

Customers, can set up an online account for the Express Card, and easily manage their credit card account, and make their credit card bill payment with ease. To do this;

  • Login into your account
  • Tap on the “Pay Online” option
  • Choose a convenient bill payment option
  • Make your bill payment.

 Phone Payment

Customers can make their bill payment via phone, by calling at 1-800-201-4955.

 Mail Payment

Comenity Bank, PO Box 659728, San Antonio, TX 78265-9728.

As you mail your payment, you are to ensure your payment is received on time. You are to mail your payment at least 5 business days prior to the due date shown on your monthly billing statement.

 In-store Payment

Card Payment can be made in-store, by locating the nearest Express store.

Express Credit Card Customer Service Number

Call: 1.888.397.1980, to make enquires or get general information on Express credit card.


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