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Credit Cards

Credit Cards

Low Rate, No Hidden Fees

• 4.99% Promotional Rate*

• 25,000 ScoreCard Bonus Points**

• No annual fee

• 25-day interest-free grace period on purchases

• ScoreCard Bonus Point Program, earning you 1 point per dollar charged

• Tap to Pay, featured on both First New York Visa® credit and debit cards

• Digital Wallet Enabled

• Visa® Purchase Alerts

• Worldwide acceptance

• No balance transfer fee***

• Get a monthly statement via mail or e-statement

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First New York Visa® Credit Cards

Compare our First New York Visa® and Secured Credit Cards

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First New York Visa® Credit Cards come with exclusive features that help you bank smarter. Enjoy no annual fee, a 25-day interest-free grace period on purchases, the ScoreCard Bonus Point Program, where you earn one point for every dollar charged for purchases, and Visa Purchase Alerts to help monitor your account activity wherever you are. You’ll also enjoy our new Tap to Pay feature on all of our First New York Visa® and Visa® Secured credit cards.

Features	First New York Visa®	Secured Visa®
No annual fee	✓	✓
25-day interest-free grace period	✓	✓
ScoreCard Bonus Point Program	✓	✓
Visa® Purchase Alerts	✓	✓
Tap to Pay	✓	✓
Worldwide acceptance	✓	✓

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Shop Rates

Visa® Credit Card Promotional Rate

Product	Variable APR as low as*	Margin	Daily Periodic Rate
For Purchases
Limit $5,000 - $30,000	4.99%	6.65%	0.01367%
Limit $250 - $4,999	4.99%	11.65%	0.01367%
Secured	4.99%	11.75%	0.01367%
Balance Transfers
Limit $5,000 - $30,000	14.15%	6.65%	0.03877%
Limit $250 - $4,999	18.00%	11.65%	0.04932%
Secured	18.00%	11.75%	0.04932%
Cash Advances
Limit $5,000 - $30,000	16.50%	9.00%	0.04521%
Limit $250 - $4,999	18.00%	11.75%	0.04932%
Secured	18.00%	11.75%	0.04932%
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 12/31/2024 is 7.50%. The APR will not exceed the ceiling, or highest APR of 18.00%. Rates are subject to change at any time and are subject to approval. Offer valid for existing First New York credit card holders only. Offer not valid for current cardholders or cardholders currently in another promotional program. For Fee information, read our Promotional Visa Credit Card Disclosure at FirstNewYork.org. *To receive the 25,000 ScoreCard points, activate the card and spend at least $1,000 during the first 90 days of card ownership.

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Visa® Credit Card Rate (Outside Promotion)

Product	Variable APR as low as*	Margin	Daily Periodic Rate
For Purchases and Balance Transfers
Limit $5,000 - $30,000	14.15%	6.65%	0.03877%
Limit $250 - $4,999	18.00%	11.65%	0.04932%
Secured	18.00%	11.75%	0.04932%
Cash Advances
Limit $5,000 - $30,000	16.50%	9.00%	0.04521%
Limit $250 - $4,999	18.00%	15.00%	0.04932%
Secured	18.00%	16.00%	0.04932%
*Annual Percentage Rate. The Variable APR for purchases, balance transfers, and cash advances will be the Prime Rate published in the Wall Street Journal on the last day of each month plus a Margin as listed above. The Prime Rate as of 12/31/2024 is 7.50%. The APR will not exceed the ceiling, or highest APR, which is the NCUA usury rate in effect at the time. As of 08/01/2022, the NCUA usury rate was 18.00% APR. APR offered is subject to change and all loans are subject to approval. For Fee information, read our Promotional Visa Credit Card Disclosure.