Review: Express Stores Credit Cards

Express clothes shops, in partnership with Comenity Financial institution, offers two credit cards you need to use to earn rewards towards future Express purchases. However watch that rate of interest! Our overview / evaluation of the Express bank cards is beneath:

The very first thing to know in regards to the Express bank cards is that they’re solely accepted at Express — you’ll be able to’t use them wherever else. We’re not followers of opening a brand new credit score line with such restricted utilization until there’s something actually nice by way of rewards. Are the Express bank cards adequate to make it value it?

Possibly, particularly if you’re a frequent Express buyer. Right here’s what you get by way of rewards:

  • 20 factors per greenback charged to the cardboard
  • A $10 reward card at each 2500 factors earned, or a $15 reward card if you’re an “A-Checklist” cardholder that has earned 7500 factors up to now 12 months ($375 in purchases).
  • 20% off your first buy with the cardboard.
  • An “unique” birthday reward annually
  • Free transport for A-Checklist cardholders on orders.

So, the rewards are fairly good, and even fairly nice should you qualify as an A-Lister. Nonetheless, there may be one massive factor to notice earlier than you exit and apply for this: The rate of interest.

It’s 28.99%!

In the event you EVER carry a steadiness in your bank cards, cross this one by. You positively don’t must be paying nearly 30% extra to your Express purchases, and by doing so that you’d principally cancel out any rewards you obtain.

That stated, should you can deal with it, you’ll discover a web based Express bank card software here.