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Credit Card Applications » Questions » User Questions » Other » I was offered the Express Next credit card just for buying frequently at Express, should I accept this ...

I was offered the Express Next credit card just for buying frequently at Express, should I accept this offer. My current credit score is around 600.

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Leo Zhu

While this card is rather easy to get, it comes with a high APR so it’s better to use it as a pay in full card. If you won’t be able to pay it off each month, the card will accrue the interest fast and the rewards you’ve earned will be eaten up by the interest. So, if you do not habit of paying off the card balances in full each month, you’d rather avoid this offer. Instead you can consider applying for one of the regular credit cards. These cards come with lower interest rates and will give you more flexibility: you will be able to use a regular credit card everywhere.

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Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.
For Excellent/Good Credit
1% cash back on select purchases, terms apply
For Fair Credit
Guaranteed $500 Unsecured Credit Limit
For Bad Credit

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