KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
N/A
Balance Transfer
Balance Transfers Not Allowed
Rewards
Automatic enrollment in the New York & Company rewards Club.
Earn 4 points for every dollar you spend at New York & Company or nyandcompany.com.
Earn 1 point for every dollar you spend everywhere else.
Get a $25 Gift every time you accrue 2500 Everywhere Points.
Get a $25 Reward every 5 times you make a purchase.
Get a $25 Reward when you spend $100 or more on your card in any given month.
New York & Company Credit Card's Additional Info
Special savings events throughout the year.
Exclusive mailings with discounts and coupons.
A week of savings for your birthday.
Our must-have style newsletter email.
No annual fee.
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New York & Company Credit Card Pros & Cons
No membership fees
High rewards rate
No initial rewards bonus
No intro APR on purchases
No balance transfers allowed
Requires good/excellent credit
Compare The New York & Company Credit Card vs. Popular Alternatives
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3.7WalletHub Rating WalletHub Rating 3.7 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 3.2 Market Comparison 3.6 fees: 5.0 rewards: 3.8 cost: 3.3 Other Features: 0.0 | 3.3WalletHub Rating WalletHub Rating 3.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 3.0 Market Comparison 3.4 fees: 3.8 rewards: 3.6 cost: 3.4 Other Features: 0.0 | |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APRN/A | Regular APR19.24%, 25.24% or 27.99% (V) | Regular APR21.24% - 29.24% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about New York & Company Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
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New York & Company Credit Card Reviews
Share your insights and review for the New York & Company Credit Card
5
6%
4
91%
3
3%
2
0%
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0%
4.0
129 reviews
129 reviews
What's Your Rating?
Tiffany McLean
@tiffmclean
4 Star Rating
The New York & Company card reminds me a lot of the Kohl's Store card. You get all kinds of saving throughout the year and specials savings for your birthday too, which is a fun perk. The bonus for the New York & Company card is that you earn points for every purchase you make and as the points add up you can get rewards in the form of cash or gifts. If you are a frequent shopper at New York & Company you could end up getting some really great things. There is no cash advance which is a really popular thing for most cards right now but it also doesn't have an annual fee which is a huge plus.
Comment
2
Alex Steven
@alexs_14
4 Star Rating
The New York & Company credit card seems like a really great card with few, if any, drawbacks, and an amazing perk/point system that makes you keep wanting to come back. With the automatic enrollment in the New York & Company Rewards Club and a rewards system that I can see would be easy to complete, one could see themselves getting a lot of "free stuff" just by using their card for everyday personal or business purchases.
You get access to tons of special savings and even a "savings week" for your birthday, one thing that is apparent with this card is that the company delivering it knows how to take care of its customers. You can call customer service Monday through Saturday, 8 a.m. to 9 p.m. and even get an informative newsletter through email. There is no annual rate and you can withdraw money from over 1000 ATM's. It really seems like there isn't much you can't do with this card.
The only drawback it would seem is that the company does not list any information about introductory rate, introductory period, or regular rate, but with a required credit score of good or excellent, you can reasonably assume that the rates will be low and you won't have to worry about crazy amounts of fees since this card is obviously intended for people who know how to manage their finances.
There also is no bank transfers or information on cash advances, max late fees, over-limit fees, penalty APR, grace periods, foreign transaction fee, and there is no online response available. But, again, this card is obviously for people who know how to manage their finances so while this information is pertinent, like anything else, it's probably not a major concern and is something that can be discussed when an individual gets approved.
All-in-all, this card seems great and I would love to have one.
Comment
25
1
Chantel Lynn
@chantel.lynn.35
4 Star Rating
This New york & Company Credit Card has a very awesome reward program! You get extra points for shopping at New York & Company, but you still get rewards for using the card at other stores too! I have always heard good things about this company and looking at the terms I don't see anything that is disappointing. I like that there are no late fees or overlimit charges. I also like that there is no annual fee; none of my current credit cards have an annual fee and I don't plan on paying one anytime soon! I think the "week of savings for your birthday" is exceptionally awesome!!
Comment
6
Konstelation Banks
@Konstelationfans
4 Star Rating
I knew many people who had a New York & Company credit card for a long time, they had it at least 10 years. I used to have one I didn't have it that long because I don't like to have too many credit cards. But this isn't a bad deal, I never had an issue with them using the credit card like a lot of companies, you know? You make a 100 dollar purchase, it locks you out and then you have to call them and tell them it wasn't fraud. I never had an issue like that everything went pretty well. Overtime before you know it you rack up a lot of points. Statements you receive are really easy to read not complicated at all and never had a issue with a statement. I would recommend this card to people but only if you don't have too many already haha. Now that it offers rewards for each purchase that just makes it a lot more appealing. Not one issue I had with them as I stated before and a great company in general. Looking for the right credit card? This could be yours.
Comment
11
3
Tanya Ray
@tanya.ray.56
5 Star Rating
I have had a New York & Company credit card for over twenty years now (I have had it since my second oldest daughter was born!) and have never had any issues with using the card. I got the card back when it was actually "Lerner's", before New York & Company took over. Since getting the card, I have made many purchases and everything always goes smoothly. My payments are applied to my account on time and everything on my monthly statement is easy to read, clearly explained, and 100% accurate. Now that the card offers rewards, that just makes it all the better to use! I have never had anything but a wonderful experience with this company and highly recommend it to anyone looking for a good credit card!
Comment
9
1
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