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.
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
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
- 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
Quick details at a glance:
Credit Recommended (660-850): – Good/Excellent
Card Rewards Offer – 1.5% – 5% cash back
Annual Fee – $0
Intro Rewards Bonus – Up to $300 cash back
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!
- 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
Quick details at a glance:
Credit Recommended (660-850): – Good/Excellent
Intro Rewards Bonus – $300 Chase Travel℠ Credit + 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
Credit Recommended – Good/Excellent
Here are more detailed features of the Chase Sapphire Preferred® Card
- Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
- 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, 2027.
- Member FDIC
Quick details at a glance:
Credit Recommended: – Good
Card Rewards Offer – 1.5% Cash Back on every purchase, every day
Annual Fee – $0
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
- 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
Quick details at a glance:
Credit Recommended: – Good
Card Rewards Offer – 1.25 Miles per dollar on every purchase, every day
Annual Fee – $0
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
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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