Express Credit Card Login, Payment and Benefits

Express Credit Card Login

The Express Credit Card is a store credit card that offers rewards and benefits for shopping at Express stores or online. You can earn 20 points for every dollar spent, get free shipping and returns, and receive a $20 birthday gift. However, it has a high APR of 25.99% and a late payment fee of up to $402.

• To log in to your Express Credit Card account, you can follow these steps:
• Visit the Express Credit Card website and click on “Manage Your Account” at the top right corner.
• Enter your username and password and click on "Sign In".
• If you are a new user, you can click on “Enroll Now” and follow the instructions to create your account.
• Once you are logged in, you can view your balance, transactions, statements, and more.

How to Apply for an Express Credit Card?

Applying for an Express Credit Card is a straightforward process designed to provide shoppers with added convenience and rewards when shopping at Express stores. To apply for an Express Credit Card, you need to follow these steps:

• Visit the Express Credit Card website and click on “Apply” at the top right corner.
• Fill in the online application form with your personal and financial information.
• Review the information and submit your application. You will receive a decision within a few minutes.
• If you are approved, you will receive your card in the mail and you can activate it online or by phone

What are the Benefits of Express Credit Card?

The following benefits are designed to enhance your shopping experience and provide additional value for loyal Express customers, making it a valuable choice for those who frequently shop at Express stores. The Express Credit Card offers a range of benefits to its cardholders:

• Rewards Tiers: It offers different rewards tiers, including Insider, Automatic Influencer, and Influencer, where you earn points at varying rates for your purchases.
• Express Cash: You can redeem your points for Express Cash, providing you with extra savings on your Express purchases.
• Birthday Gift: Cardholders receive a birthday gift, with the value depending on your rewards tier.
• Exclusive Offers: You gain access to exclusive offers to enjoy more savings and benefits.
• Free Shipping & Returns: Enjoy the convenience of free shipping and returns for your Express online orders, depending on your rewards tier.

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Express Credit Card Payment

If you opt for mailing your payment, it's advisable to send it at least 5-7 days before your due date and ensure your credit card number is included to prevent processing delays. Please note that Express stores do not accept credit card bill payments. You can conveniently pay your Express Credit Card bill through these methods:

• Online: Log in to your online account or utilize the EasyPay feature to make your payment.
• Over the Phone: Call (800) 201-4955 to make a payment over the phone.
• Via Mail: You can send a check or money order (no cash) to Comenity Bank at the following address: Comenity Bank. PO Box 650972, Dallas, TX 75265-0972.

What are the Pros and Cons of Express Credit Cards?

Express Credit Cards are store credit cards that offer rewards and benefits for shopping at Express stores or online. Here are some of the pros and cons of using them:

Pros of Express Credit Card:

• You can earn 20 points for every dollar spent, which can be redeemed for cash back, gift cards, and more.
• You can get free shipping and returns, and a $20 birthday gift.
• You can access exclusive offers and discounts from Express and its partners.

Cons Express Credit Card:

• The APR is high at 25.99%, which can add up if you carry a balance.
• The late payment fee is up to $40, which can hurt your credit score.
• The card is only accepted at Express and its affiliates, which limits your spending options

Express Credit Card Fees

These fees can impact the cost of using an Express Credit Card, so it's important to be aware of them when managing your card and making financial decisions. Here are some key fees associated with Express Credit Cards:

Average Processing Fee: Credit card processing fees, also known as "swipe fees," typically average around 2.24%. These fees are paid by merchants when they accept credit card payments.

Foreign Transaction Fee: American Express cards usually have a foreign transaction fee of 3.5%, which applies when you make purchases in a currency other than the U.S. dollar.

Annual Fee: Some American Express credit cards come with no annual fee, while others can have annual fees that range from $0 to as high as $700 per year.