New york and company credit card

New York & Company offers a credit card program through Synchrony Bank, which allows customers to earn rewards and benefits while shopping at New York & Company stores or online. Here are some key features and benefits of the New York & Company credit card:

Benefits:

  1. Rewards: Earn 5 points for every dollar spent at New York & Company, and 1 point for every dollar spent elsewhere.
  2. Exclusive Offers: Receive special discounts, promotions, and early access to sales and events.
  3. Birthday Bonus: Get a $10 reward on your birthday.
  4. Free Shipping: Enjoy free standard shipping on online orders.
  5. Extended Warranty: Get an extra year of warranty coverage on eligible purchases.
  6. Return Protection: Get a refund or exchange for items that are returned by the manufacturer.

Fees:

  1. Annual Fee: $0 first year, then $25 per year.
  2. Interest Rate: 24.99% Variable APR.
  3. Late Payment Fee: Up to $38.

Application Requirements:

  1. Age: You must be at least 18 years old to apply.
  2. Income: You must have a minimum annual income of $15,000.
  3. Credit Score: You must have a good credit score to be approved.

How to Apply:

  1. Online: Visit the New York & Company website and click on "Credit Card" to apply online.
  2. In-Store: Visit a New York & Company store and ask a sales associate to apply for the credit card.
  3. Phone: Call Synchrony Bank at 1-866-396-8254 to apply over the phone.

Tips:

  1. Pay on Time: Make sure to pay your bill on time to avoid late fees and interest charges.
  2. Monitor Your Credit Score: Keep an eye on your credit score to ensure it's not affected by your credit card usage.
  3. Use Responsibly: Use your credit card responsibly and only charge what you can afford to pay back.

Overall, the New York & Company credit card can be a great option for frequent shoppers who want to earn rewards and benefits while shopping at New York & Company. However, it's essential to carefully review the terms and conditions before applying to ensure it's the right fit for your financial situation.