How To Make an Express Credit Card Payment

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Since its first store opened its doors in 1980, Express has come a long way. The brand, which offers a selection of fashion-forward clothing and accessories for men and women, currently operates more than 550 stores in the U.S. and Puerto Rico.

Advice From CardCritics: Why It’s Time To Ditch Your Store Credit Card

Shoppers can get more bang for their buck with an Express card issued by Comenity Bank, including at least 20 points per dollar spent and an annual birthday gift. Once you’ve used your Express credit card to make purchases at the store, you’ll need to make a payment to avoid penalties and keep your account in good standing. Here’s how.

How To Make an Express Credit Card Payment Online

Express offers cardholders the option to make credit card payments online. Here’s an overview of the process:

  1. Go to the login page for the Express credit card.
  2. Register your account if you haven’t yet. To find your account, you’ll need to provide your credit card account number, your ZIP code and the last four digits of your Social Security number.
  3. Log in using the username and password you chose.
  4. Go to the Checking Accounts section of the Account page and click “Add an Account.”
  5. Enter your checking account number and bank routing number.
  6. Enter the payment amount and payment date, and then submit the payment.

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How To Make an Express Credit Card Payment Through EasyPay

You can make a payment through EasyPay without registering for online access or logging in to your account. This is a secure and convenient system that does not store your personal information. Here’s how it works:

  1. Click “EasyPay” on the banner at the top of the Express account login page.
  2. Enter your account number, ZIP code and the last four digits of your Social Security number.
  3. Follow the on-screen prompts to complete the payment.

How To Make an Express Credit Card Payment by Mail

Comenity Bank also accepts Express credit card payments by mail. Here’s what to do:

  1. Write a check or purchase a money order for at least the minimum payment due on your billing statement.
  2. Include the payment stub from your account statement with your payment.

You can find a printable payment stub and the mailing address you’ll need on the Pay By Mail page for the Express card.

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How To Make an Express Credit Card Payment by Phone

Making an Express credit card payment by phone is another option. Here’s how:

  1. Call the Express credit card automated system at 800-201-4955.
  2.  Say or enter your account number or Social Security number.
  3. Follow the prompts to submit the payment.

If you don’t have your account number or Social Security number, you can speak with a customer service representative to complete the payment. If you need to make an expedited phone payment, a fee of up to $15 may apply.

Late Fees for Express Credit Cards

Express credit card account payments are due by 5 p.m. ET before or on the due date. If your payment is late, you can still pay your bill with any of the available payment methods, but your account will be charged a late fee of $30. However, this fee can be as much as $41 if you’ve had a late fee applied to your account within the last six billing periods.

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Information is accurate as of Jan. 12, 2023.

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