New York & Company Credit Card Review: Is It Worth It 2024?

New York & Company Credit Card: Rewards for the Fashion-Forward Shopper

The New York & Company credit card is best for shoppers who frequent the store and its partnered brands. It offers attractive benefits for those who consistently shop at New York & Company. In this review, we’ll dive deep into what the New York & Company Credit Card offers, helping you decide whether it’s a good fit for your wallet.

New York and Company credit card review, is it worth it 2024

Pros:

  • Rewards: Earn $10 in store credit for every $200 spent. This translates to a 5% rewards rate on your purchases at New York & Company and its sister brands, like Ann Taylor and LOFT.
  • No Annual Fee: This can be a major perk, especially if you plan to use the card regularly at New York & Company.
  • Additional Perks: Cardholders receive automatic enrollment in the New York & Company Rewards Club, unlocking exclusive discounts, birthday bonus offers, and special shopping events.
  • Easy Access to Credit: For shoppers looking to build or repair their credit, store cards like the New York & Company Credit Card can be easier to obtain than traditional credit cards.

Cons:

  • Limited Rewards Scope: Rewards are only redeemable at New York & Company and affiliated stores.
  • High APR: The interest rate on purchases can be significantly higher compared to general reward cards.
  • No Intro APR: Unlike some cards, you won’t get a temporary period with a zero interest rate for new purchases.
  • Potential for Overspending: The combination of rewards and exclusive offers can encourage more spending to earn discounts, leading to potential budgeting issues for some shoppers.
  • Mixed Reviews on Customer Service: Customer service experiences can vary based on online reviews.

How rewards works and birthday bonus:

Rewards and Benefits:

The New York & Company Credit Card rewards its users with a point system where points are accumulated with each purchase. Upon reaching a certain threshold, these points can be redeemed for discounts on future purchases. The card also offers various promotional discounts throughout the year, including a welcome offer for new cardholders and a birthday discount.

Overall:

This card shines for those who primarily shop at New York & Company and its partner brands. The rewards program offers a decent return on your spending within the store’s ecosystem. However, if you value diverse shopping options or travel rewards, this card might not be the best fit.

Recommendation:

Consider this card if:

  • You are a loyal New York & Company shopper and frequently spend significant amounts there.
  • You prioritize store-specific rewards and exclusive discounts.
  • You have a good credit history and can manage your credit responsibly to avoid high-interest charges.

Compare the New York & Company Credit Card with other rewards cards offering wider applicability and potentially better interest rates. Here are some recommendations below that we like:

Quick details at a glance:
Credit Recommended: – Average, Fair, Limited
Card Rewards Offer – 1.5% Cash Back on every purchase, every day
Fraud Coverage – $0 Fraud Liability for unauthorized charges
Regular APR – 29.99% (Variable)
Annual Fee – $39
Balance Transfer Fee – Balance Transfer Fee applies to balances transferred at a promotional rate
Foreign Trans Fee – None

Here are more detailed features of the Capital One QuicksilverOne Cash Rewards Credit Card

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn’t expire for the life of the account. It’s that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
Apply Online – Click Here
Quick details at a glance:
Credit Recommended (660-850): – Good/Excellent
Card Rewards Offer – 1.5% – 5% cash back
Intro (Purchases) – 0% Intro APR on Purchases 15 months
Annual Fee – $0
Intro Rewards Bonus – Up to $300 cash back
Intro (Transfers) – 0% Intro APR on Balance Transfers 15 months
Regular APR – 20.49% – 29.24% Variable

Here are more detailed features of the Chase Freedom Unlimited®

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
Chase Freedom Unlimited®
Quick details at a glance:
Credit Recommended (660-850): – Good/Excellent
Intro Rewards Bonus – 60,000 bonus points
Card Rewards Offer – 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases
Foreign Trans Fee – $0
Annual Fee – $95
Regular APR – 21.49%-28.49% Variable
Credit Recommended – Good/Excellent

Here are more detailed features of the Chase Sapphire Preferred® Card

  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
Chase Sapphire Preferred® Card
Quick details at a glance:
Credit Recommended: – Good
Card Rewards Offer – 1.5% Cash Back on every purchase, every day
Annual Fee – $0
Regular APR – 29.99% (Variable)
Fraud Coverage – $0 Fraud Liability for unauthorized charges
Foreign Trans Fee – None
Balance Transfer Fee – Balance Transfer Fee applies to balances transferred at a promotional rate

Here are more detailed features of the Capital One Quicksilver Cash Rewards for Good Credit

  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0 annual fee and no foreign transaction fees
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
  • No rotating categories or sign-ups needed to earn cash rewards
  • Cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • $0 Fraud Liability for unauthorized charges
Apply Online – Click Here
Quick details at a glance:
Credit Recommended: – Good
Card Rewards Offer – 1.25 Miles per dollar on every purchase, every day
Annual Fee – $0
Regular APR – 29.99% (Variable)
Balance Transfer Fee – Balance Transfer Fee applies to balances transferred at a promotional rate
Fraud Coverage – $0 Fraud Liability for unauthorized charges
Foreign Trans Fee – None

Here are more detailed features of the Capital One VentureOne Rewards for Good Credit

  • $0 annual fee and no foreign transaction fees
  • Earn 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
Apply Online – Click Here

Compare the top Excellent Credit Card Offers - CreditSoup Balance Transfer Cards

As an Amazon Associate I earn from qualifying purchases. Also, I get commissions for purchases or applications made through links in this post. View our full Advertiser Disclosure Here