How To Find and Use Your Express Credit Card Login

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The Express Credit Card is a store credit card for customers of Express, an American fashion retailer with over 550 stores in North and Central America. The card is provided by Bread Financial and offers customers double the points on Express purchases, free shipping and returns and a $20.00 birthday gift. 

Read: This Credit Score Mistake Could Be Costing Millions Of Americans

Express Credit Card customers earn 20 points per $1.00 spent and can redeem 1250 points for $5.00 in Express Cash, which can be used in-store or online. This means that customers can earn $1.00 in Express Cash for every $12.50 they spend on Express products. Cardholders can also “level up” to the A-list tier once they earn 10,000 points. Once there, they earn 25 points per $1.00 spent. Through points, an A-list tier member earns $1.00 in Express Cash per $10 spent on Express Products.

If you already have an Express Credit Card and want to access your account, here’s how to find and use your Express Credit Card login.

Accessing Your Express Credit Card Account

There are multiple ways to access your Express Credit Card account.

Register for a New Account

If you have not yet created an online account, you can do so through the Express Credit Card website. To register your account, follow the steps below:

  1. Click on the “Register Now” button on the top right of the Express Credit Card webpage. This will lead you to a registration form.
  2. Enter your credit card account number and zip code.
  3. Select which identification method you would like to use. You can use your Social Security number, Social Insurance number or alternate identification number.
  4. Enter the last four digits of the ID method you chose in the previous step and click the “Find My Account” button.
  5. Follow the instructions on your screen. You should then see a dashboard with all of your information.
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Log In to an Existing Express Account

If you have already created an account, you can log in using your username and password by following the steps below:

  1. On the Express Credit Card website, click the “Sign In” button near the top right of the page.
  2. Enter your username and password in the form provided and click the “Sign In” button to continue.
  3. You should see a dashboard with all of your account information.

If you log in from your personal phone or computer, you can check the “Remember Me” box while signing in. The website will then remember your login information and keep you logged in, so you don’t have to repeat the process the next time you want to access your account.

Troubleshoot Express Account Login

If you’ve already created an account but have forgotten your username or password, don’t worry — there’s a way to recover them. Just follow the steps below:

  1. On the Express Credit Card website, click the “Sign In” button near the top right of the page.
  2. On the next page, click on the “Forgot Username/Password?” link below the “Sign In” button.
  3. In the form provided, enter your username. If you forgot it, you could also use your account number and zip code.
  4. Select the identification method you used when creating your account.
  5. Press the “Find My Account” button. The website will then use your information to find your account and give instructions to log in.
  6. Once the website finds your account, you will have the option to change your password.
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Making an Express Credit Card Payment Online

Once you’ve created your account or logged in, you will have the option to make a payment, view account information, update your personal information and review statements. However, if you just want to make a payment, Bread Financial allows you to do so without logging in using their Easy Pay service. To make a payment through Easy Pay, follow the instructions below:

  1. On the Express Credit Card website, in the header, click “Easy Pay.”
  2. Enter your credit card account number and zip code.
  3. Choose which authentication method you want to use — SSN, SIN or AIN.
  4. Enter the last four digits of your chosen ID method and press the “Find My Account” button.
  5. Once the website finds your account, follow the instructions on the screen to make a payment.

Contacting Customer Service

If you are having problems logging into your account or making payments, contact the Bread Financial customer service team at ​​1-800-201-4955. Customer service hours are Monday to Saturday, 8 a.m. to 9 p.m. EST.


Express gives cardholders multiple easy ways to access their accounts online. Cardholders can also easily make payments by logging into their account or using the Easy Pay feature.

Information is accurate as of Sept. 21, 2022.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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About the Author

Chris is a sales-oriented, marketing copywriter. He has been doing freelance copywriting for several years and specializes in financial writing.
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