WalletHub Rating
3.2/5
New York & Company Store Card has a rating of 3.2/5 according to our proprietary credit card rating system. This rating reflects how appealing New York & Company Store Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. 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)'. To break it down further, New York & Company Store Card earned a score of 5.0/5 for Fees, 2.4/5 for Rewards, 3.3/5 for Cost, and 3.2/5 for User Reviews.Info about the New York & Company Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.2/5
213 reviewsRead and write reviews
Editor’s Review
3.6/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.1
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
2.4
Cost
3.3
Other Features
0.0
3.1/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
35.24% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Earn 1 point for every $1 spent on the card.
$10 Reward when you spend $200 on your card.
$20 Rewards for VIP Card members when you spend $400 on your card.
Enjoy Birthday offers.
Exclusive Cardholder Perks and early access to special sales.
Free Economy Shipping Days.
New York & Company Store Card's Additional Info
Easy online account management.
show more
Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
April 16th, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
New York & Company Store Card Pros & Cons
No membership fees
Qualify with fair credit
High regular APR
New York & Company Store Card Review
3.6 / 5
- No Initial Bonus. The best store credit cards offer 15% to 30% off your first purchase. The New York & Company Credit Card doesn’t offer any initial bonus or discounts on your first purchase. This may be a drawback if you frequently shop at various stores and expect an immediate discount when applying for a credit card.
- Attractive ongoing rewards. The NY&Co Credit Card has this part of the rewards equation down, offering $10 in store credit for every $200 you spend. That’s the equivalent of 5% cash back, which is nearly five times what the average rewards card will give you, according to WalletHub research.
- Special perks for VIP cardmembers. If you spend at least $400 per calendar year at New York & Company, your regular earning rate will jump to 10% back. You’ll also get a $20gift certificate on your birthday, rather than the standard $10. You shouldn’t go overboard just to meet that threshold, but these are nice bonuses for folks who already do.
- Free shipping…sometimes. If you regularly buy things from nyandcompany.com and pay shipping fees in the process, the fact that the NY&Co Credit Card scores you free standard shipping might seem like reason enough to apply. Don’t get carried away, though, because there’s a catch. Free shipping isn’t always available. Instead, it’s offered “periodically through the year,” according to the card’s terms and conditions. So you shouldn’t rely on this particular feature for consistent savings.
- No annual fee, but a lofty APR. Hardly any store cards charge annual fees, so this doesn’t really distinguish the NY & Company Credit Card either positively or negatively. It might make opening a credit card just for purchases at a single retailer a bit easier to justify, though. With that being said, the NY&C Credit Card could still prove quite expensive if you don’t pay your bill in full each month, as it has a lofty APR, that’s above even the average for a store card (30.16%).
- You need fair credit or better. You should be able to qualify for the New York & Company Credit Card if your credit score is classified as “fair” or better. You can check your score for free on WalletHub to get a sense of your odds.
Show More
Compare The New York & Company Store Card vs. Popular Alternatives
 |  Capital One Walmart Rewards® Mastercard® |  Capital One Platinum Credit Card |
|---|---|---|
3.2WalletHub Rating WalletHub Rating 3.2 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 3.6 User Reviews 3.2 Market Comparison 3.1 fees: 5.0 rewards: 2.4 cost: 3.3 Other Features: 0.0 | 4.3WalletHub Rating WalletHub Rating 4.3 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 "Improve Credit by Paying in Full Each Month." 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 4.5 User Reviews 3.3 Market Comparison 4.3 fees: 5.0 rewards: 0.0 cost: 5.0 Other Features: 4.5 | 3.6WalletHub Rating WalletHub Rating 3.6 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 "Improve Credit by Paying in Full Each Month." 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 5.0 User Reviews 3.6 Market Comparison 3.4 fees: 5.0 rewards: 0.0 cost: 3.3 Other Features: 4.5 |
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 APR35.24% (V) | Regular APR19.48% or 29.99% (Variable) | Regular APR29.99% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about New York & Company Store 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.
Most Popular
2
Upvotes
Reply
2
Tommy S Davidson, WalletHub Analyst
@tdvdson94
You can find your New York & Company credit card status by calling 800-889-0494.They usually provide an application status almost instantly by email, so make sure you check that in advance.
2
11
Upvotes
Can I use my New York and Company Store card anywhere?
Reply
11
6
John Miller, Credit Cards Moderator
@john_miller
No, you cannot use your everywhere you want. The card is not backed by any major credit card network, and can only be used for purchases at nyandcompany.com.
Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The New York & Company Store Card offers 1 point per $1 spent on purchases and has a $0 annual fee. This can make the card a worthwhile option for people who shop at New...
show more
5
Upvotes
Reply
5
1
John Miller, Credit Cards Moderator
@john_miller
Unfortunately, you cannot get a cash advance with your . The card can only be used for purchases at nyandcompany.com.
The fact that New York & Company Store Card cash advances are not an option might actually be a blessing in disguise. Cash advances are very expensive, due to a cash advance fee and a separate cash advance APR that apply as soon as you withdraw the cash. There may also be ATM-owner fees, depending on where you make...
show more
3
Upvotes
Reply
3
2
Maria Adams, Credit Cards Moderator
@m_adams
The easiest way you can pay youris through youronline account or by using theEasyPay feature. Alternatively, you can make a payment over the phone at(800) 889-0494 or via mail.
How to Pay Your New York & Company Store Card
- Online:Log in to your online account or use the EasyPay feature in order to pay your bill.
- Over the phone: Call (800) 889-0494 to make a payment over the phone.
- Via mail: To pay your credit card via mail, send a check or money order (but not cash) to:
Comenity Capital Bank
PO Box 650972
DallasTX 75265-0972
If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date. Also, include your credit card number on your payment to avoid any processing delays.
2
Upvotes
Reply
2
1
Joseph Bulebush, WalletHub Analyst
@joeybule
Your New York & Company Credit Card minimum payment will be 3.5% of the new balance shown on your statement (at least $5.00).
1
2
Upvotes
Reply
2
Will Foster
@foster_will
In order to get a New York and Company credit card credit limit increase, you need to have at least 6 months of perfect payment history. If you have that already, you can just call them at 800-889-0494 and request one.
2
1
Upvote
What does it mean if my New York and Company credit card application is "in review"?
Reply
1
@timpnorman
@timpnorman
A credit card application "in review" means that the issuers need to confirm on gather more information in order to grant approval. This process can take up to 30 days.
1
1
Upvote
Reply
1
1
Theo frank, WalletHub Credit Card Analyst
@frankth19
The New York & Company card has a 25 days grace period. After that point, interest will start piling on, so you should pay before then.
Upvotes
I have a merchandise credit... how can I use it now?
Reply
Upvotes
Reply
John Miller, Credit Cards Moderator
@john_miller
To add an authorized user to your , call customer service at (800) 889-0494 (or the number you see on the back of your card). You will have to provide the user's name, date of birth and their relationship to you, before you can add them to your account.
There is no age requirement for adding an authorized user, but there is a limit of 3 users allowed on the account.
What to Know...
show more
People Also Apply For
Capital One Walmart Rewards® Mastercard®
Capital One Platinum Credit Card
Avant Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
Milestone® Mastercard®
Surge® Platinum Mastercard®
FIT™ Platinum Mastercard®
Destiny Mastercard®
Other New York & Company Cards
Runway Rewards Credit Card
Related Credit Card Categories
New York & Company Store Card is related to the following categories:
Compare Travel Credit CardsPoints Credit Cards
New York & Company Store Card Reviews
Share your insights and review for the New York & Company Store Card
5
14%
4
32%
3
36%
2
6%
1
12%
3.2
213 reviews
213 reviews
What's Your Rating?
Most Recent
john
@johnk_459
1 Star Rating
they would NOT right a wrong from april, so i refuse to make a payment until? i am NONVERBAL and they call my phone atleast 15 times a day? i told them a bunch of times in emails what the problem was, and they will not respond?? only voicemails to call them??? i told them over and overNONVERBAL?????
Comment
Kendall
@kendallk
1 Star Rating
Would never get it again ! Will never get a store credit card again. I don’t even use the card anymore at this point .. APR is way to high
Comment
robin
@robind_70
1 Star Rating
Is ruining my credit by stating inaccurate information about a late payment which did not exist. Any company that reports inaccurate information damaging customers' credit history, should be a CLOSED business.
Comment
katherinec_91
@katherinec_91
5 Star Rating
Good card and easy to work. Can change payment due date to meet needs. Have had card for many years now. They even have income protection to keep from falling behind if laid off.
Comment
Lisa
@lialind82
5 Star Rating
The best ever i wish I had known of them mich earliwr in life !!!!! Wow. Wht an amazing company and swevice provided by them !!!!
Comment
Nadine
@nadined_3
5 Star Rating
I enjoyed shopping with them. Unfortunately they closed my acct due to inactivity for a few months. I was with them about 5 years.
Comment
Michelle
@michellecadle870
3 Star Rating
Since Bread has bought Comenity they aren’t reporting each month & it’s affecting credit scores. I have multiple cards with them. It’s extremely upsetting.
Comment
Jacqueline
@jackieneece
5 Star Rating
Love Love always discounts and coupons . Clothes is made with good quality material. Customer service is awesome online or at the store.
Comment
Bobbie J Woods
@woodsbobbie70
4 Star Rating
It's all right clothing store but it's so high class that some people don't have this taste of what it requires on here to have I mean there's something they're cute they're but there's some things that are just more for work style I guess you could say
Comment
larose
@larose_blount
5 Star Rating
Good information to learn about, always good way to show how to improve your credit score. I am trying to get out of debt. And will continue to improve my credit
Comment
Review New York & Company Store Card
New York & Company Store Card
Credit Cards
>
Comenity Capital
Important Disclosures
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: New York & Company Store Card
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsem*nt of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
