*Annual Percentage Rate. Promotional APR is applicable for all purchases made during the first 90 days of card ownership. Offer valid during the promotional period only. After the 90-day promotional period, the rate is based on Prime Rate, as published in the Wall Street Journal, plus a margin. APR on those purchases will remain at 4.99% through the initial 90-day promotional period. The Prime Rate as of 05/31/2026 is 6.75%. The APR will not exceed the ceiling, or highest APR, which is the NCUA usury rate in effect at the time. As of 05/04/2023, the NCUA usury rate was 18.00% APR. Rates are subject to change at any time and are subject to approval. Offer valid for existing First New York credit cardholders not currently in another credit card promotional program. For Fee information, read our Promotional Visa® Credit Card Disclosure at FirstNewYork.org.
**We do not charge a balance transfer fee. If you have a high-interest-rate credit card, transferring your balance to a First New York credit card could lower your rate and save you money. To start your balance transfer, simply call us or visit any First New York branch.
†Loan Center is available Monday-Friday from 8 a.m. until 6 p.m. and on Saturday from 9 a.m. until 1 p.m.