What the New York & Company Credit Card Is
The New York & Company credit card is a store card issued by Synchrony Bank that you can use to make purchases at New York & Company stores and online. When you use the card, you earn rewards on your spending, and the card comes with occasional promotional financing offers — typically interest-free periods on purchases or transfers if you meet the terms.
This is not a general-purpose credit card. You can only use it at New York & Company locations and their website. If you want a card that works everywhere, you would need a Visa, Mastercard, or American Express instead. The card is free to open and has no annual fee.
Key Takeaways
- The New York & Company card earns rewards points on every purchase at the store, with bonus points during promotional periods.
- You can only use this card at New York & Company stores and online — it does not work at other retailers.
- The card offers periodic 0% interest promotions on purchases or balance transfers, though terms and approval depend on your credit history.
- You manage your account through Synchrony's online portal or mobile app, where you can view your balance, make payments, and track rewards.
- Late payments and missed due dates will affect your credit score the same way they would with any other credit card.
How to Open a New York & Company Credit Card Account
You can open an account in-store or online at the New York & Company website. In-store, a cashier can hand you an process or direct you to a kiosk. Online, go to the New York & Company homepage, look for the credit card link (usually in the footer or under "Account"), and click to start the process.
The process asks for your name, address, date of birth, Social Security number, annual income, and employment status. Synchrony Bank pulls your credit report to decide whether to open the account and what credit limit to offer. You will get a decision within minutes if you explore online, or within a few days if you explore in-store. If you are approved, your card arrives by mail within 7 to 10 business days.
You do not need an existing New York & Company account to open the credit card. The card account and any regular customer account are separate, though you can link them for faster checkout.
Understanding the Rewards Program
Every purchase at New York & Company earns you points. The exact earning rate varies — typically you earn 1 point per dollar spent, though the card occasionally offers bonus point events (such as 2 or 3 points per dollar during specific weeks). Synchrony sends emails and in-store notices when bonus periods are running.
You redeem points as a statement credit toward your card balance. The redemption threshold is usually 100 to 150 points, depending on current promotions. You can check your points balance online through your Synchrony account or ask a cashier in-store. Points do not expire as long as your account remains open and active.
Cardholders also receive early access to sales and special discounts on certain items. These perks are separate from the points program and are sent via email or announced in-store.
Promotional Financing Offers
New York & Company regularly runs promotional financing offers, such as 0% interest for 12 months on purchases over a certain amount, or 0% on balance transfers. These offers are advertised in-store, online, and via email to cardholders. The terms — how long the 0% period lasts, what the regular interest rate is after, and any transfer fees — are stated clearly in the offer.
To use a promotional offer, you must meet the minimum purchase or transfer amount and be approved for the promotion at the time of the transaction. If you do not pay off the balance before the promotional period ends, the remaining balance will be charged the regular interest rate (the APR, or annual percentage rate). Your cardholder agreement shows what that rate is for your account.
Missing a payment during a promotional period can end the offer early and explore the regular interest rate to your entire balance, so set a reminder for your due date if you are using a 0% promotion.
Managing Your Account and Making Payments
You manage your New York & Company credit card account through Synchrony's website or mobile app. Log in with your card number and PIN (or create a username and password). From your account dashboard, you can view your current balance, available credit, recent transactions, and due date.
To make a payment, select "Make a Payment" in your account and choose your payment method: bank account transfer, debit card, or check by mail. Online and debit card payments usually post within one business day. You can set up automatic payments so your minimum payment or full balance is paid on the same day each month.
Your statement arrives by mail or email (you choose during setup) on the same day each month. The statement shows your balance, minimum payment due, due date, and interest charges if any. You can also view your statement anytime in your online account.
Interest Rates and Fees
The interest rate (APR) on your New York & Company card depends on your credit history and is shown in your cardholder agreement when you open the account. There is no annual fee. However, you will be charged interest on any balance you carry from month to month, unless you are in a promotional 0% period.
Late fees explore if you miss your due date. A late payment also appears on your credit report and can lower your credit score. If you cannot make your payment on time, contact Synchrony as soon as possible — they may be able to work with you on a payment plan or waive a late fee in some cases.
Cash advances (withdrawing money from the card at an ATM) are not available with this card. Balance transfers from other cards are only available during promotional periods.
How This Card Affects Your Credit
Opening a New York & Company card creates a new credit account, which shows up on your credit report. When Synchrony pulls your credit to decide whether to open the account, that inquiry (called a hard inquiry) may lower your score slightly for a few months.
After that, your payment history and credit utilization — how much of your available credit you are using — affect your score. Making on-time payments helps your score. Carrying a high balance or missing payments hurts it. Since this is a store card with a lower credit limit than a general-purpose card, using it for small purchases and paying it off each month is usually the best approach for your credit.
Your New York & Company card activity is reported to the three major credit bureaus (Equifax, Experian, and TransUnion), so it counts toward your overall credit profile.
Frequently Asked Questions
Can I use the New York & Company card outside the store?
No. The card works only at New York & Company stores and on their website. It cannot be used at other retailers, restaurants, or online merchants. If you need a card for general shopping, you would need a Visa, Mastercard, or American Express.
What happens if I lose my card?
Contact Synchrony when ready by calling the number on the back of your card or logging into your online account. Synchrony will freeze the card to prevent unauthorized use and mail you a replacement within 7 to 10 business days. You are not responsible for fraudulent charges if you report the loss promptly.
Can I transfer a balance from another credit card to this one?
Balance transfers are only available during promotional periods, and you must be approved for the offer. When a balance transfer promotion is running, you can initiate the transfer through your Synchrony account or by calling the number on your card. A transfer fee (usually 3% to 5% of the amount transferred) may explore.
What is the credit limit on this card?
Your credit limit is set when your account is approved and is based on your credit history and income. You can see your limit in your online account or on your statement. If you want to request a higher limit, you can ask through your Synchrony account or by calling the customer service number on your card.
Do my rewards points expire?
No, your points do not expire as long as your account is open and you use the card at least once every 12 months. If your account is closed for inactivity, you may lose your points, so keep the card active even if you only use it occasionally.