New York & Company Credit Card

Synchrony Pending

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7

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: new-york-company-credit-card

Issuer: Synchrony

Card Name: New York & Company Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 06:43

Last Scraped: Feb 17, 2026 06:45

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony provides protections under the Servicemembers Civil Relief Act (SCRA) for eligible servicemembers and their dependents. For more information, contact Synchrony at 1-866-893-7864.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
New York & Company Purchases 2x Points Earn 2X points for every $1 spent on purchases at New York & Company stores or online. No Cap
All Other Purchases 1x Points Earn 1 point for every $1 spent on purchases made anywhere Visa is accepted, excluding New York & Company (applicable to New York & Company Platinum Credit Card only). No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 7 Total
PENDING
Financial 1
No Annual Fee
$0

There is no annual fee associated with the New York & Company Credit Card.

Lifestyle 1
Birthday Savings Offer
Special offer

Receive a special discount or offer during your birthday month as a New York & Company Credit Cardmember.

Shopping 5
First Purchase Discount
20% off

Receive 20% off your first purchase when you open and use your New York & Company Credit Card.

Exclusive Cardmember Savings Events
Access to exclusive events

Gain access to special sales and promotions available only to New York & Company Credit Cardholders throughout the year.

Early Access to Sales & New Arrivals
Early access

Shop sales and new product arrivals before the general public.

Earn Rewards Points
2 points per $1 spent

Earn 2 points for every $1 spent on eligible purchases at New York & Company with your credit card. Points can be redeemed for rewards certificates.

Free Standard Shipping
Free standard shipping

Receive free standard shipping on all online orders with no minimum purchase when using your New York & Company Credit Card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Fair
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the 'new-york-company-credit-card' requires applicants to be 18 years or older, a US resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's credit underwriting standards. The primary bonus rule for 2026 is expected to be: Receive 20% off your first purchase at New York Company stores, up to a maximum discount of $100, when made within 30 days of account opening. This offer is subject to change and store-specific restrictions apply.

Max Cards Per Issuer: 6

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive returns, unusual spending patterns inconsistent with typical retail purchases, high cumulative credit limit across multiple Synchrony accounts, defaulting on payments, rapid succession of applications for Synchrony cards, and abuse of promotional financing offers.

Cliff Effect Rules: No direct 'card family' cliff effects are typically associated with Synchrony store cards. Eligibility for this card does not generally impact eligibility for other *unrelated* Synchrony store cards, beyond general creditworthiness and total credit exposure limits. However, if a co-branded Visa/Mastercard version of the 'new-york-company-credit-card' exists, separate eligibility rules would apply, and holding one might preclude or influence eligibility for the other.

Special Events: Frequent in-store and online promotional events, including exclusive cardholder discounts, early access to sales, birthday rewards, and special financing offers on larger purchases.

Holiday Promos: Major retail holidays such as Black Friday, Cyber Monday, Christmas/Holiday Season (November-December), Valentine's Day, Mother's Day, Father's Day, Memorial Day, Labor Day, and seasonal clearance events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Good for loyal New York & Company shoppers, offers exclusive discounts and early access to sales, and provides an initial discount on first purchase.

Top Negative:
High APR, rewards are limited to New York & Company purchases only, and some users report issues with Synchrony Bank customer service.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Ann Taylor Credit Card
  • Capital One SavorOne Rewards Credit Card
  • Discover it Secured Credit Card

Card Value Score: 45.0 / 100

Est. Annual Rewards: $35.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0