New York and Company Credit Card Review 2026: Fees & Alternatives

Shop New York & Company often and wondering whether the RUNWAYREWARDS card is worth opening? This review covers the issuer, the two versions, the rewards math, the fees, and the APR, so you know exactly what you are signing up for before you decide.

Key Facts at a Glance

Figures as of June 2026. APRs vary by creditworthiness; confirm current terms before applying.

What Is the New York and Company Credit Card?

The New York and Company credit card is the RUNWAYREWARDS program, issued by Comenity Bank (part of Bread Financial). It comes in two versions, and the difference matters.

The store-only RUNWAYREWARDS card works only at New York & Company and nyandcompany.com. The RUNWAYREWARDS Mastercard works everywhere Mastercard is accepted, which makes it the more flexible of the two if you want a single card for daily spending. Both report to all three credit bureaus (Experian, TransUnion, and Equifax).

New York and Company Credit Card Rewards

The earn rate is the card's main draw. As of June 2026, you earn 4 points per $1 spent at New York & Company, and on the Mastercard version, 1 point per $1 everywhere else. Points convert to reward certificates at roughly a $10 reward for every $200 you spend, which works out to about 5% back in store value when you shop the brand. Certificates are meant to be used at the store, so redeem them promptly rather than letting them sit.

That is generous if New York & Company is a regular stop for you. There is no standing cash welcome bonus; instead, new cardholders typically get an opening discount or percentage-off perk that varies by promotion. If you rarely buy from the brand, the everyday 1 point per $1 on the Mastercard is unremarkable, and the rewards will not add up to much.

New York and Company Credit Card Fees and APR

The annual fee is $0, so there is no flat yearly cost to hold the card. There is no monthly maintenance fee, which separates it from many subprime cards. The catch, as with most store cards, is the interest rate.

Comenity discloses the purchase APR at application, and recent disclosures place it around 25.99% variable, though the cardholder agreement filed with the Consumer Financial Protection Bureau has listed figures as high as 27.49%. There is a minimum interest charge of about $2 in any billing cycle interest applies. The Mastercard version also carries a foreign transaction fee, typically up to 3%, on purchases made outside the United States. Late and returned-payment fees apply per the agreement, and your exact rate depends on your creditworthiness.

The practical takeaway: a balance carried at roughly 26% quietly erases the rewards you earn. It is worth knowing the average credit card interest rate so you can see how this card compares before you apply. Terms apply, and APRs vary by creditworthiness.

Who Should Consider It?

This card makes sense for a frequent New York & Company shopper who pays the balance in full every month, so the high APR never applies, and who shops the brand enough to turn that 4 points per $1 into real certificates. Approval typically favors fair credit or better (often reported around 640+), and starting limits are commonly reported near $1,100, though figures vary by applicant.

If your main goal is building credit rather than earning store points, a card with a 26%-ish APR tied to one retailer is not the most efficient tool. A dedicated credit-building card usually costs less to carry and reports to all three bureaus.

If building or rebuilding your score comes first, the options below are designed for exactly that. Perpay is powered by your paycheck — no security deposit, shop and pay over time while it reports to all three bureaus, members see an average 32-point increase.

If you want a card you can use anywhere without a deposit, the Aspire Cash Back Rewards Mastercard is an unsecured card with no security deposit, prequalification up to a $1,000 limit, up to 3% cash back, and reports to all three bureaus. Unlike the store-only RUNWAYREWARDS card, it runs on a major network, so you are not locked into one retailer.

For a starter card that grows with you, the Arro Card is an unsecured starter card with no deposit and no hard credit check; start with a limit up to $300 that grows toward $2,500 via in-app tasks, reports to all three bureaus.

How These Compare

Perpay and the Aspire Mastercard report to all three credit bureaus and help you build, and Aspire gives you network-wide spending the store-only New York and Company card cannot. The Arro Card adds a no-deposit starting limit that grows over time. All three prioritize the one thing a retail card does not: growing your credit profile.

Cost is the other gap. Against a 26%-ish store APR, these credit-builder paths are usually cheaper to carry month to month. For ongoing tips, Creditship.ai offers free credit guidance and monitoring so you can watch how on-time payments affect your score.

Is the New York and Company Credit Card Worth It?

For a frequent New York & Company shopper who pays in full, the 4 points per $1 and $0 annual fee can be worth it. If you tend to carry a balance, the roughly 26% APR makes it a costly choice. Pay in full to dodge that rate entirely. Terms apply, and APRs vary by creditworthiness.

Frequently Asked Questions

What credit score do you need for the New York and Company credit card?

Store cards like this are typically available to people with fair or better credit, often reported around 640+. Approval is never guaranteed, and Comenity Bank reviews your full application. Reported starting limits cluster near $1,100, though they vary by applicant.

Does the New York and Company credit card help build credit?

It can, because Comenity Bank reports your activity to all three bureaus (Experian, TransUnion, Equifax). Paying on time and keeping your balance low are what actually move your score. The high APR makes it risky if you carry a balance.

What is the APR on the New York and Company credit card?

Comenity discloses the rate at application. Recent disclosures place the variable purchase APR around 25.99%, while the CFPB-filed agreement has listed figures up to 27.49%. There is also a minimum interest charge of about $2. Your exact rate depends on your creditworthiness.

Is there an annual fee for the New York and Company credit card?

No, the card has a $0 annual fee and no monthly maintenance fee. The bigger cost to watch is interest if you do not clear your balance each month. The Mastercard version also charges a foreign transaction fee, typically up to 3%, abroad.