New York and Company Credit Card: Benefits, Rewards, and How to Apply

New York and Company Credit Card is a store credit card issued by Comenity Bank that offers rewards and benefits to its users. The card comes in two versions: the Runway Rewards Credit Card and the Runway Rewards World Mastercard. The Runway Rewards Credit Card is a basic store credit card that can only be used at New York and Company stores and website.

On the other hand, the Runway Rewards World Mastercard can be used anywhere Mastercard is accepted.

New York and Company Credit Card offers several benefits to its users. With the Runway Rewards Credit Card, users can earn $10 in rewards for every $200 spent, receive a birthday coupon, and get free shipping on orders over $50.

Additionally, users can upgrade to VIP status by spending $400 in a calendar year, which comes with extra benefits such as a $20 reward for every $200 spent, free shipping on all orders, and early access to sales.

The Runway Rewards World Mastercard offers all the benefits of the Runway Rewards Credit Card, plus additional rewards for non-New York and Company purchases.

Overview of New York and Company Credit Card

The New York and Company Credit Card is a store credit card that offers rewards for purchases made at New York and Company stores and online. The credit card is issued by Comenity Bank and can be used at any New York and Company location or online.

The rewards program for the New York and Company Credit Card is called Runway Rewards. Cardholders can earn points for every purchase made with the card, with higher point values for purchases made at New York and Company stores. Points can be redeemed for discounts on future purchases at New York and Company.

New cardholders can also take advantage of a special offer to receive a discount on their first purchase made with the card. The discount amount varies depending on the current promotion being offered.

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The New York and Company Credit Card has an APR of 27.24% as of August 2023 and no annual fee. However, it is important to note that carrying a balance on the card can result in high interest charges. Therefore, the card is best suited for those who plan to pay off their balance in full each month.

Overall, the New York and Company Credit Card is a good option for frequent shoppers at New York and Company who can take advantage of the rewards program and pay off their balance in full each month.

Benefits of Using the Credit Card

The New York & Company Credit Card offers a range of benefits for its users. Here are some of the most notable advantages of using the card:

Rewards Program

The rewards program is one of the most attractive features of the New York & Company Credit Card. Cardholders earn a $10 reward for every $200 spent on the card. The reward can be used in conjunction with store coupons for extra savings. Additionally, for those who spend $400 in a calendar year on qualifying purchases made with the RUNWAYREWARDS Credit Card, minus returns, they can upgrade to VIP status. To maintain this status, a customer must spend $400 in a calendar year on the card.

Birthday Savings

Cardholders also receive special birthday offers each year, making it an excellent option for those who enjoy shopping at New York & Company. These offers vary but can include discounts, free shipping, or other perks.

Free Shipping

Another benefit of the New York & Company Credit Card is free shipping on select days. Cardholders can enjoy free economy shipping on specific days throughout the year. This perk can help save money on shipping costs, especially for those who frequently shop online.

Exclusive Access

Cardholders also get exclusive access to events and sales, as well as early access to new collections. This benefit can help shoppers find the latest trends before they sell out and provide access to limited edition items.

No Annual Fee

Unlike many other credit cards, the New York & Company Credit Card does not charge an annual fee. This feature makes it an excellent option for those who want to enjoy the benefits of a rewards credit card without paying extra fees.

Overall, the New York & Company Credit Card offers a range of benefits for those who frequently shop at the store. From the rewards program to the exclusive access to events and sales, the card can help shoppers save money while enjoying their favorite clothing items.

Applying for the Credit Card

To apply for the New York & Company credit card, there are a few different options available. One option is to apply in-store at a physical location. Another option is to apply online through the New York & Company website.

The application process is relatively simple and takes only a few minutes. Once approved, customers can start enjoying the benefits of their RUNWAY REWARDS Credit Card account immediately.

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Some of the benefits of the card include earning $10 in rewards for every $200 spent, $20 rewards for VIP members, and special birthday savings offers. Additionally, there are no exclusions on coupons and NY deals, making it easier for customers to save money while shopping.

To apply for the credit card online, customers can visit the New York & Company website and fill out the application form. They will need to provide personal information such as their name, address, and social security number. Once the application is submitted, customers will receive a response within a few minutes.

It is important to note that APRs may vary depending on the customer\’s credit background and current interest rates. Customers should review the terms and conditions carefully before applying for the credit card to ensure they understand the fees and interest rates associated with the card.

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Understanding the Credit Card Terms

When it comes to credit cards, it\’s important to understand the terms and conditions that come with them. The New York & Company credit card is no exception.

APR

APR stands for Annual Percentage Rate. This is the interest rate you\’ll be charged on any unpaid balances on your credit card. The APR for the New York & Company credit card is currently 27.24%.

Late Payment Fee

If you miss a payment or don\’t pay the minimum amount due by the due date, you\’ll be charged a late payment fee. The late payment fee for the New York & Company credit card is up to $40.

Returned Payment Fee

If a payment is returned for any reason, you\’ll be charged a returned payment fee. The returned payment fee for the New York & Company credit card is up to $40.

Rewards Program

The New York & Company credit card comes with a rewards program called Runway Rewards. With this program, you\’ll earn points for every dollar you spend with your card. These points can be redeemed for discounts on future purchases at New York & Company.

Credit Limit

The credit limit for the New York & Company credit card will vary based on your creditworthiness.

Grace Period

The grace period is the amount of time you have to pay your balance in full before interest starts accruing. The grace period for the New York & Company credit card is 25 days.

It\’s important to read and understand all the terms and conditions that come with your credit card. By doing so, you can avoid unnecessary fees and make the most of any rewards programs.

Credit Card Management

Managing a credit card can be a daunting task, but with New York and Company\’s credit card management tools, it can be a breeze. The company offers various options for managing your credit card account, including online account management and mobile app usage.

Online Account Management

New York and Company\’s online account management system is user-friendly and easy to navigate. Customers can log in to their account to view their balance, make payments, and check their rewards status. The website also allows users to set up automatic payments, view transaction history, and update their personal information.

In addition, customers can access exclusive offers and discounts through their online account. These offers are tailored to their shopping habits and preferences, making them a valuable tool for saving money on future purchases.

Mobile App Usage

The New York and Company mobile app is a convenient way to manage your credit card account on-the-go. The app allows customers to check their balance, make payments, and view transaction history from their smartphone or tablet. It also provides access to exclusive offers and discounts, making it a valuable tool for saving money while shopping.

Customers can log in to their account using their existing login credentials to access all of the features of the app.

Overall, New York and Company\’s credit card management tools make it easy for customers to manage their credit card account, save money, and stay up-to-date on their rewards status. With online account management and mobile app usage, customers have access to their account information and exclusive offers at their fingertips.

Customer Service Options

New York & Company offers several customer service options for their credit card customers. These options include phone, email, and live chat support.

Customers can call the RUNWAYREWARDS Credit Card customer service number at 1.800.889.0494. The customer service department is available Monday-Saturday, 8AM – 9PM EST. For TDD/TTY services, customers can call 1.800.695.1788. Customers who need to make a payment can send it to RUNWAYREWARDS Credit Card Comenity Bank P.O. Box 650972 Dallas, TX 75265-0972.

Customers can also contact New York & Company\’s customer care team by sending an email or using the live chat feature on their website. To send an email, customers can fill out the online form available on the Contact Us page of the New York & Company website. The live chat feature is available during business hours, which are M-F 9 am-8 pm (EST). If a customer contacts New York & Company after business hours, they can leave a voicemail and the customer care team will call them back.

New York & Company\’s customer service team is knowledgeable and can assist with a variety of issues, including account inquiries, payment questions, and rewards program inquiries. Customers can also find answers to frequently asked questions on the New York & Company website\’s Help Center.

Overall, New York & Company provides multiple customer service options to ensure that their credit card customers receive the support they need.

Potential Drawbacks

While the New York and Company credit card offers many benefits, there are also some potential drawbacks to consider before applying for the card.

High APR

One of the major drawbacks of the New York and Company credit card is its high APR. As of August 2023, the APR for the card is 27.24%, which is significantly higher than the average credit card APR. This means that if you carry a balance on your card, you could end up paying a lot in interest charges over time.

Limited Rewards

While the New York and Company credit card does offer rewards, they are limited to purchases made at New York and Company and its affiliated brands. This means that if you don\’t shop at these stores frequently, you may not be able to take advantage of the rewards program. Additionally, the rewards are relatively modest, with a $10 reward for every $200 spent.

Not Ideal for Carrying a Balance

The New York and Company credit card is not designed for those who want to carry a balance. With its high APR and limited rewards program, it\’s best for those who can pay off their balance in full each month. If you carry a balance on your card, you could end up paying a lot in interest charges over time.

Fine Print

Like many credit cards, the New York and Company credit card comes with some fine print that can be confusing or difficult to understand. For example, some rewards may only be available during certain times of the year, or there may be restrictions on how rewards can be redeemed. It\’s important to read the terms and conditions carefully before applying for the card to make sure you understand all of the details.

Overall, the New York and Company credit card can be a good choice for frequent shoppers at New York and Company and its affiliated brands. However, it\’s important to consider the potential drawbacks before applying for the card. If you don\’t shop at these stores frequently or if you carry a balance on your card, you may want to consider other credit card options.

The New York & Company Credit Card is a suitable option for frequent shoppers who want to earn rewards on their purchases. The card offers a $10 reward for every $200 spent, which can be redeemed on future purchases.

However, it is important to note that the card has a high APR of 27.24%, so it is not recommended for those who carry a balance. Additionally, the card does not offer any introductory APR or balance transfer offers.

The New York & Company Credit Card may be a good choice for those who shop frequently at the store and can pay off their balance in full each month. It is important to weigh the benefits of the card against the high APR and lack of introductory offers before applying.

It is also worth noting that there are other credit cards available that offer similar rewards programs with lower APRs and introductory offers. It may be worth researching and comparing other options before