Welcome to The Express Credit Card offered by Comenity Bank in partnership with the Express clothing retailer provides a number of attractive rewards and benefits for cardholders. Key features include earning 5% cash back on Express purchases with no limits, special discounts and offers for card members, 6 months 0% intro APR financing on purchases, and a free yearly birthday gift worth $20 in rewards.
Additional perks encompass free shipping, free returns, early access to sales events, and fashion recommendations through the Express Style Trial program. Cardholders can easily manage their account online or via the Express mobile app to check balances, view statements, set up alerts, make payments and more. Overall, the Express Credit Card aims to provide easy earnings and savings for loyal Express shoppers.
To access your Express Credit Card online account, you can login at express.com. The login process allows you to securely view your account details, check your balance, make payments, set up notifications, and more.
How to Express Credit Card Login?
There are two main ways to log in to your Express Credit Card account:
1. Online:
- Navigate to the Express Credit Card login page: You can access it through two ways:
- Express website: Go to https://www.express.com/g/insider/ECC-instore and click on “Sign In” on the top right corner.
- Enter your login credentials:
- Username: This is usually your email address associated with your account.
- Password: Your chosen password for logging in.
- Click “Sign In”.
2. Mobile App:
- Download the Express app: Available for both iOS and Android devices.
- Open the app and tap “Sign In”.
- Enter your login credentials: Same as the online method.
- Tap “Sign In”.
Online Account Access
Once logged in, your Express Credit Card online account gives you 24/7 access to:
- Check your account balance
- View recent transactions
- Make payments
- Set up autopay
- Access your monthly eStatements
- Manage notifications
- Update your personal info
You can take care of your account management tasks at any time through the user-friendly site.
How to Register Online?
1. Registering after receiving your card:
- Locate your card information: You’ll need your 16-digit card number, expiration date, and CVV code (3-digit code on the back of your card).
- Head to the Express Credit Card registration page: [https://c.comenity.net/ac/express/public/help/register]
- Enter your card information: Fill in the requested fields with your card details.
- Create your login credentials: Choose a username and password for future access.
- Provide additional information: This may include your contact details, security questions, and preferences for paperless statements.
- Review and submit: Check your information for accuracy and then submit the registration form.
2. Registering during the application process:
- Apply for the Express Credit Card online: Visit [https://www.express.com/credit-card-application] and fill out the application form.
- Complete the application: Provide your personal information, income details, and financial history.
- Review and submit: Check your application for accuracy and submit it for approval.
Forgot Password of express credit card
Online:
- Go to the login page: https://c.comenity.net/express/ or https://d.comenity.net/ac/comenitycard/secure/account-profile
- Click on “Forgot Password” below the sign-in button.
- Enter the email address associated with your account.
- You’ll receive an email with instructions on how to reset your password. Follow the steps carefully, including creating a new strong password.
By phone:
- Call Express Credit Card customer service at 1-800-397-7377.
- Have your card number or account number ready.
- A customer service representative will assist you in resetting your password over the phone.
Express credit card Forgot User ID
Recovering your Credit Card User ID is certainly possible! Here are two options:
1. Using your email address:
- Head to the Express Credit Card login page: https://c.comenity.net/express/ or https://d.comenity.net/ac/comenitycard/secure/account-profile
- Click on “Forgot User ID” below the sign-in button.
- Enter the email address associated with your account.
- You should receive an email with your User ID within minutes.
2. Contacting customer service:
- If you don’t remember the email address associated with your account, or if you don’t receive the User ID recovery email, you can call Express Credit Card customer service at 1-800-397-7377.
- Be prepared to provide your card number, last name, and any other information that can help verify your identity.
- A customer service representative will assist you in retrieving your User ID.
The Express Credit Card comes with many attractive rewards and benefits for card members.
Benefits of Express Credit Card
Rewards
- Earn points on every purchase: You’ll earn 20 points for every $1 spent at Express and Express Factory Outlets, and 25 points per $1 spent if you reach “A-List” status in the Express Insider program. These points can be redeemed for Express gift cards, merchandise, travel, and more.
- Express Insider program: This free program offers tiered benefits based on your annual spending at Express. As you spend more, you’ll unlock higher point earning rates, birthday gifts, free shipping, and more.
- Exclusive offers and discounts: Cardholders often receive exclusive discounts and early access to sales on Express merchandise.
Low Intro APR & Bonus Rewards for express credit card
Express Credit Card:
- Intro APR: 0% intro APR on purchases and balance transfers for 15 months, then ongoing APR of 16.24% – 26.24% Variable APR.
- Bonus Rewards: Earn 20 points per $1 spent at Express and Express Factory Outlets.
- Additional perks: Free standard shipping and returns, access to exclusive offers and discounts.
- Annual fee: None.
Express Next Credit Card:
- Intro APR: 0% intro APR on purchases and balance transfers for 18 months, then ongoing APR of 15.74% – 25.74% Variable APR.
- Bonus Rewards: Earn 25 points per $1 spent at Express and Express Factory Outlets.
- Additional perks: Early access to sales, birthday gift, free express shipping, access to exclusive offers and discounts.
- Annual fee: $50.
Express Platinum Credit Card:
- Intro APR: 0% intro APR on purchases and balance transfers for 15 months, then ongoing APR of 14.74% – 24.74% Variable APR.
- Bonus Rewards: Earn 25 points per $1 spent at Express and Express Factory Outlets.
- Additional perks: Travel insurance, airport lounge access, birthday gift, free express shipping, access to exclusive offers and discounts.
- Annual fee: $95.
Express Credit Card Everyday Cash Back
1. Express Credit Card:
- Earns 20 points per $1 spent at Express and Express Factory Outlets.
- Points can be redeemed for Express Cash, essentially acting as cash for future purchases at Express.
- Offers additional benefits like free standard shipping and returns, exclusive offers, and a 21-day grace period.
- No annual fee.
2. Blue Cash Everyday® Card from American Express:
- This co-branded card offered by American Express and Comenity Bank is not an Express Credit Card specifically, but it might be relevant if you’re seeking general cash back.
- Earns 1% cash back on all purchases and up to 5% cash back at US supermarkets and on select US gas stations (up to $6,000 per year in purchases, then 1%).
- Offers welcome bonuses based on spending thresholds within the first 6 months.
- Comes with an annual fee of $95.
3. Bread® Mastercard™ from Comenity Bank:
- Another Comenity Bank card, not directly branded as an Express Credit Card, but offering broader categories for cash back.
- Earns 3% cash back on gas and groceries, 2% cash back on dining and drugstores, and 1% cash back on all other purchases.
0% Intro APR Express Credit Card
- 0% Intro APR on purchases and balance transfers for 15 months, then ongoing APR of 16.24% – 26.24% Variable APR.
- Earn 20 points per $1 spent at Express and Express Factory Outlets.
- Free standard shipping and returns.
- No annual fee.
How can I check my Express Credit Card balance?
You have several options to check your balance:
- Online account – Login at express.com or via the Express app to view your balance
- Mobile app – Download the Express app on your phone or tablet
- By phone – Call the number on the back of your card to access the automated system
The online and mobile options allow you to check your balance any time night or day. It just takes a few quick clicks or taps.
Reviewing your balance regularly can help you track purchases, spot fraudulent charges, avoid overspending, and catch mistakes.
Express Credit Card Services
- Exclusive offers and discounts: Express Credit Cardholders often receive exclusive offers and discounts on Express merchandise, as well as other retailers and brands.
- Free shipping and returns: Enjoy free shipping and returns on all your Express purchases when you use your Express Credit Card.
- Fraud protection: The Express Credit Card comes with built-in fraud protection to help keep your information safe.
- 24/7 customer service: Express Credit Card customer service is available 24/7 to help you with any questions or concerns you may have.
Express Credit Card Bill Pay Phone Number
To make an automated payment by phone or speak to a service representative, call 1-877-787-7959.
Express Credit Card Payment Address
- Online: You can log in to your Express Credit Card account online and update your billing address or set up automatic payments.
- By phone: You can call Express Credit Card customer service at 1-800-201-4955 to update your address or set up automatic payments.
- By mail: You can send a written request to update your address to:
Comenity Bank
PO Box 182273
Columbus, OH 43218-2273
How to Avoid Late Fees?
- Track your due date: Mark your due date on a calendar or set up reminders on your phone or email. This way, you won’t be caught off guard and have a chance to make your payment on time.
- Check your balance regularly: Keep an eye on your balance throughout the month so you’re aware of your spending and any upcoming payments. You can access your balance online or through the Express app.
- Prioritize your payments: If you’re tight on cash, prioritize paying your Express Credit Card bill before other non-essential expenses. Remember, late fees and penalty interest can quickly snowball.
- Set up automatic payments: This is a foolproof way to ensure your bills are paid on time every month. You can choose to automatically pay the minimum amount due, your full statement balance, or a custom amount.
- Link your bank account: Connect your bank account to your Express Credit Card account to easily and securely automate your payments.
- Sign up for paperless statements: This way, you’ll receive your statement electronically and won’t be surprised by a late payment if the paper mail arrives late.
- Enable email or text alerts: Ask Express to send you notifications when your statement is available or your payment is due. This can be a good backup to calendar reminders.
Customer Service Hours
| Day | Hours of Operation (ET) | Phone Number |
|---|---|---|
| Monday – Saturday | 8:00 AM – 9:00 PM | 1-800-201-4955 |
| Sunday | 7:00 AM – 12:00 AM | 1-800-201-4955 |
How to Pay Express Credit Card?
Online:
- Log in to your Express Credit Card account: Visit https://c.comenity.net/ac/express/public/help/sign-in or https://d.comenity.net/ac/comenitycard/secure/account-profile and navigate to the “Make a Payment” section. You can either pay your minimum due, full statement balance, or a custom amount.
- Use EasyPay: This optional feature allows you to schedule automatic payments in advance to ensure you never miss a due date.
By Phone:
- Call Express Credit Card customer service at 1-800-201-4955: Tell the representative you want to make a payment and follow their instructions. You can use your checking account, debit card, or credit card to make a payment over the phone.
By Mail:
- Send a check or money order (no cash!) to: Comenity Bank, PO Box 650972, Dallas, TX 75265-0972. Be sure to include your account number on the check or money order.
In Person:
- Unfortunately, you cannot pay your Express Credit Card in person at Express stores.
Conclusion
The Express Credit Card makes it easy to earn cash back rewards and exclusive perks on Express purchases. Cardmembers can check balances, make payments, track spending, and more 24/7 by logging in online or accessing the mobile app.
Responsible account management helps avoid fees and protects your credit score. Setting up autopay and payment alerts helps ensure on-time payments each month.
With cash back, discounts, free shipping, and more, the Express Credit Card offers valuable benefits for Express shoppers. Opening an account online is quick and begin earning rewards on your next Express purchase.
FAQs
How do I apply for an Express Credit Card?
- Head to the Express Credit Card application page: https://www.express.com/g/insider/ECC-instore
- Choose the specific card you’re interested in, such as the Express Credit Card, Express Next Credit Card, or Express Platinum Credit Card.
- Review the card details and benefits carefully.
- Click “Apply now” and fill out the online application form.
- Be prepared to provide personal information like your name, address, date of birth, Social Security number, income, and employment details.
- Review your application for accuracy before submitting it.
- You’ll receive a decision within a few minutes or days.
Can I use my Express Credit Card rewards for Express purchases?
Absolutely! Your Express Credit Card rewards can be used for future Express purchases in a variety of ways, giving you flexibility and value for your spending.
Is there an Express Credit Card app I can download?
Yes, there is an Express Credit Card app available for both iOS and Android devices! It’s a convenient way to manage your account, track your rewards, and make payments on the go. Here’s a breakdown of what you can do with the app:
- App Store: https://apps.apple.com/us/app/express/id386656478
- Google Play: https://play.google.com/store/apps/details?id=com.gpshopper.express.android&hl=en&gl=US
Where can I find my Express Credit Card number?
Due to security reasons, it’s not recommended to display your full Express Credit Card number anywhere, including online or through chat.
However, there are several ways you can safely access your card number when needed:
- Log in to your Express Credit Card account online through Comenity Bank’s website: https://d.comenity.net/ac/comenitycard/secure/account-profile or https://c.comenity.net/ac/express/public/help/sign-in.
- Once logged in, navigate to the “Account Details” section or similar.
- Your full card number will be displayed, often with the last four digits masked for security.
- You can also download a statement that includes your full card number.
Does the Express Credit Card offer price protection or an extended warranty?
Unfortunately, the Express Credit Card itself doesn’t offer explicit price protection or extended warranty benefits. However, depending on your specific card and the purchase timeframe.
What is the Express Credit Card customer service number?
There are two primary customer service numbers for Express Credit Cards depending on your needs:
- For general inquiries and account management: 1-800-201-4955
- For TDD/TTY support: 1-800-695-1788
Both numbers are available 7 days a week from 7:00 AM to 12:00 AM Eastern Time.
How do I change my billing address for my Express Credit Card?
- This is the quickest and easiest method:
- Log in to your Express Credit Card account: Visit https://c.comenity.net/ac/express/public/help/sign-in or https://d.comenity.net/ac/comenitycard/secure/account-profile.
- Navigate to the “Account Details” or “Profile” section.
- Locate the “Billing Address” option and click “Edit.”
- Enter your new address information and review it carefully.
- Click “Save” or “Submit” to update your billing address.
Does Express report to credit bureaus?
Yes, Express reports to all three major credit bureaus: Equifax, Experian, and TransUnion. This means that your Express credit card activity, including your payment history, credit limit, and balance, will be reflected on your credit reports.