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From the Experts at Credit.com

Is the Express Credit Card a Good Fit for Fashionistas?

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Express Fashion Card

[DISCLOSURE: Cards from our partners are mentioned below.]

If you swear by Editor pants, Portofino shirts, and Dolce Vita boots, you may have considered adding an Express credit card to your wallet. And, depending on how much you’re actually spending on said products, that plastic could be a worthwhile addition. But shopaholics beware: If you charge more than you can afford, you’ll pay handsomely on interest. Here’s what you should know about the Express credit card:

What Is the Express Next Credit Card?

That’s the formal title of the Express store credit card, issued through Comenity Bank. Express Next cardholders earn 20 points per dollar spent, plus a few other benefits, including monthly bonus point opportunities and an annual birthday gift. They get a $10 rewards certificate for every 2,500 points earned. Cardholders who earn 7,500 points in a program year will achieve A-List status, which entitles them to a $15 reward certificate for every 2,500 points earned, free standard shipping on Express.com orders and a premium birthday gift. A program year is defined as March 1 to the last day of the following February.

The Benefits of an Express Next Credit Card

The rewards return is pretty good as far as store credit cards go. There’s no annual fee, so, if you don’t carry a balance, it won’t cost you anything to have the card in your wallet. Plus, the card has some cool tech components, including an app that tracks your points and rewards. You also get 20% off your first purchase when you open a credit card account.

Something else to keep in mind: Store credit cards tend to have lower credit score standards, so if you’re looking for a card to establish some credit, you may have some luck here. (You can see where your credit currently stands by viewing two of your credit scores on Credit.com.)

The Cons of an Express Credit Card

It carries a variable 28.49% annual percentage rate (APR) and late payment fees up to $38, so if you’re prone to carrying a balance or missing payments, this is not the card for you. 

Where Can I Use My Express Credit Card?

That’s the other big drawback: The Express Next credit card isn’t backed by a major network, like Visa or Mastercard, so you can only use it at Express. Similarly, the rewards you earn can only be redeemed there as well. You’ll be notified via email when a rewards certificate is available and be sure to use them imminently. Certificates expire at a minimum of 60 days from issuance. Points can also expire on a rolling 12-month period unless used toward a reward certificate.

Should I Get an Express Credit Card?

As with most store credit cards, the Express Next credit card could be worthwhile if you’re a frequent shopper who pays off their purchases in full. If that doesn’t sound like you, here are a few other cards to consider. (Note: See card agreements for full terms and conditions.)

Discover it® Cash Back

Discover it® Cash Back

Apply Now
on Discover's secure website
Card Details
Intro Apr:
0% for 14 months on purchases

Ongoing Apr:
13.74% - 24.74% Variable on purchases & balance transfers

Balance Transfer:
Intro: 0% for 14 months

Annual Fee:
$0

Credit Needed:
Excellent-Good-Fair
Snapshot of Card Features
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.

Card Details +

Why We’re Mentioning it: Because the Discover it Cash Back offers cardholders a competitive 5% cash back on up to $1,500 in purchases in revolving quarterly categories. Those categories have included gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs. Earn 1% cash back on all other purchases.

Annual Fee: $0

APR: 13.74% - 24.74% Variable on purchases & balance transfers, after a 0% for 14 months on purchases expires.

Barclaycard Ring Mastercard

Barclaycard Ring® Mastercard®

Apply Now
on Barclaycard's secure website
Card Details
Intro Apr:
N/A

Ongoing Apr:
13.74% Variable

Balance Transfer:
Intro: 0% intro APR for 12 months on balance transfers made within 45 days of account opening. After that, a variable 13.74% APR will apply. for Within 45 days of account opening

Annual Fee:
$0

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Enjoy a 0% intro APR for 12 months on balance transfers made within 45 days of account opening. After that, a variable 13.74% APR will apply
  • Low 13.74% variable APR on purchases and cash advances
  • No annual fee
  • No foreign transaction fees
  • International Chip and PIN

Card Details +

Why We’re Mentioning it: Because if you’re prone to carrying a balance, you’ll want to opt for a low-interest credit card. The Barclaycard Ring Mastercard offers a 13.74% Variable APR on balance transfers and purchases.

Annual Fee: $0

APR: 13.74% Variable

Need more details before making a decision about what credit card might be right for you? Luckily, we’ve got a full review of the Discover it  and a deep dive into the Barclaycard Ring Mastercard. Plus, we’ve got the skinny on more cash rewards credit cards in our “Best of” roundup.  

At publishing time, the Discover it and Barclaycard Ring Mastercard credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for these cards. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

This article was last updated on September 19th, 2017.


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Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.