Love shopping at New York and Company and wondering if their store card is worth opening? It can earn you points fast, but the fine print matters more than the perks. The New York and Company credit card is a store card built for loyal shoppers, and it comes with one big catch: a steep interest rate.
Below we break down the rewards, the fees, and who it actually fits. We also share lower-cost cards that can help you build credit without a sky-high APR.
What Is the New York and Company Credit Card?
The New York and Company credit card is a store rewards card issued by Comenity Bank (Bread Financial). It comes in two flavors: a store-only RUNWAYREWARDS card and a RUNWAYREWARDS Mastercard you can use anywhere.
The store version only works at New York and Company and nyandcompany.com. The Mastercard version works everywhere Mastercard is accepted, which makes it more flexible if you want one card for daily spending.
New York and Company Credit Card Rewards
As of June 2026, you earn 4 points per $1 spent at New York and Company, and 1 point per $1 elsewhere on the Mastercard version. Points convert into rewards, with roughly a $10 reward for every $200 you spend.
That earn rate is generous if you shop the brand often. If you rarely buy from New York and Company, the rewards will not add up to much.
New York and Company Credit Card Fees and APR
The New York and Company credit card charges a $0 annual fee, which is a plus. The catch is the interest rate. As of June 2026, the regular variable purchase APR is around 25.99%, which is high even for a store card.
That means carrying a balance can quietly erase any rewards you earn. Always check New York and Company's website for current rates, since APRs vary by creditworthiness and can change. The average credit card interest rate is worth knowing before you apply, so you can see how this card compares.
Who Should Consider It?
This card makes the most sense if you shop New York and Company regularly and pay your balance in full every month. Store cards can also be easier to get approved for if you have limited or fair credit.
But if your main goal is to build credit, a store card with a 25%+ APR is not the most efficient tool. A dedicated credit-building card often costs less to carry and reports to all three bureaus.
If you are focused on building or rebuilding your score, the cards below are designed for exactly that. The Self Visa Credit Card is a popular starting point because it pairs a credit builder account with a secured card.
Want a card you can use anywhere without a deposit? The Aspire Mastercard is an unsecured option built for people with thin or rebuilding credit, so you are not locked into one store.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
Standout feature
Up to 3% cashback rewards
Fees
$49 to $175; after that $0 to $49 annually; - $60 to $159 annually billed at $5 to $12.50 per month after the first year.
Pros
No Deposit Required. Prequalify for up to $1000 credit limit
Cons
High APR. 25.74% to 36%, based on your creditworthiness.
Prefer something with no credit check that works with your paycheck? The Perpay Credit Card lets you shop and build credit by paying over time, which can be friendlier than a high-APR store card.
Perpay Credit Card
Perpay Credit Card
Meet the only card powered by your paycheck. With automatic transfers from your paycheck, you can manage payments stress-free and build credit with ease.
Fee
$9/month plus $9 account opening fee
APR
Marketplace: 0% / Credit Card: 27.74% to 29.99% depending on your creditworthiness.
Minimum Deposit Amount
$0
Credit Check
No
Cashback
2% reward on purchases made in Perpay Marketplace
Benefit
2% rewards, no security deposit
How These Compare
The Self Visa Credit Card reports to all three credit bureaus and helps you save while you build. The Aspire and Perpay options give you spending flexibility the New York and Company card cannot, since they are not tied to a single retailer.
Compared to a 25.99% store APR, these credit-builder paths are usually cheaper to carry month to month. They also focus on the one thing a store card does not prioritize: growing your credit profile. For ongoing tips, Creditship.ai offers free credit guidance and monitoring.
Tips for Building Credit
Keep your balance low, ideally under 30% of your limit, and pay on time every month. Setting up autopay can help you avoid a missed payment that drags your score down.
If you are new to credit, our guide to the best credit cards for beginners can point you to options with lower costs. And if you have been turned down before, here is how to apply for a credit card after being denied.
Is the New York and Company Credit Card Worth It?
If you are a frequent New York and Company shopper who pays in full, the rewards can be worth it. If you tend to carry a balance or want to build credit broadly, that high APR makes it a costly choice. Terms and conditions 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 one are often available to people with fair or limited credit, sometimes in the 600s. Approval is never guaranteed, and Comenity Bank reviews your full application. Check New York and Company's website for current requirements.
Does the New York and Company credit card help build credit?
It can, because Comenity Bank reports your activity to the credit bureaus. Paying on time and keeping your balance low are what actually move your score. A high APR makes it risky if you carry a balance.
What is the APR on the New York and Company credit card?
As of June 2026, the regular variable purchase APR is around 25.99%. The exact rate you get depends on your creditworthiness. Always confirm the current APR on the official card terms before applying.
Is there an annual fee for the New York and Company credit card?
No, the New York and Company credit card has a $0 annual fee. The bigger cost to watch is the interest you pay if you do not clear your balance each month. Paying in full keeps the card essentially free to hold.
