USES

Express from Comenity Bank Review

Express from Comenity Bank — all information about the credit card.

Updated March 08, 2023
Advertiser Disclosure Our Methodology
Comenity Express
Apply now
Our Rating:
2.35 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • $5 Express cash for every 1250 points.
    • 2x Points on all purchases.
  • Intro Offer:
    • 20x Off your first purchase the day you apply.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    29.99% Variable
  • Balance Transfer APR:
    None
Show more

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Comenity Bank Express Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
2X
Express
$
Have you already recieved the Comenity Bank intro bonus?
How would you like to redeem points?
Calculate
Your Results
Total yearly earnings
First year rewards
$24
Rest years rewards
$24
Annual fee
$0
Yes, Comenity Bank Express credit card is worth its annual fee!
How to maximize your Comenity Bank Express rewards?

Follow these simple steps to make the most of Comenity Bank Express credit card:

  • Spend more on Express
  • Redeem most of your points for Purchases in Express
  • Pay off your balance in full each month.
  • Make a large purchases plan.

Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with Comenity Bank Express.

Your net profit in the first year
$24.2
cup of coffee x9
Your net profit in subsequent years
$24
cup of coffee x9
Show less details
You will receive 2,420 points in the first year (equivalent to $24)
Where you get the most profit
  • Express
  • Into bonus
Express
$24
Into bonus
$0.2
Total
$24
Annual fee
$0
Net yearly credit card profit
$24.2
You will receive 2,400 points in the rest years (equivalent to $24)
Where you get the most profit
  • Express
Express
$24
Total
$24
Annual fee
$0
Net yearly credit card profit
$24

All benefits

  • Points
    • 2x On all purchases.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 29.99% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • None
  • APR for Cash Advances
    • None
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing period. You will not be charged interest on purchases if you pay your entire balance by the due date each month. If you do not, you will not get a grace period on purchases again until you pay the entire balance by the due date for two billing periods in a row.

Fees

  • Annual Fee
    • $0
  • Return Payment
    • Up to $41
  • Late Payment
    • Up to $41
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
Cons:
  • Balance transfers and cash advances are not available
  • High APR

Features

Classic
  • No Annual Fee
  • Rewards
  • Bonus points
  • Good Credit
  • Excellent Credit

About the issuer

Comenity Bank
Comenity Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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