Credit Cards
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 | 13.40% | 6.65% | 0.03671% |
| Limit $250 - $4,999 | 18.00% | 11.65% | 0.04932% |
| Secured | 18.00% | 11.75% | 0.04932% |
| Cash Advances | |||
| Limit $5,000 - $30,000 | 15.75% | 9.00% | 0.04315% |
| 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 03/31/2026 is 6.75%. 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. | |||
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Visa® Credit Card Rate (Outside of Promotional Rate)
| Product | Variable APR as low as* | Margin | Daily Periodic Rate |
|---|---|---|---|
| For Purchases and Balance Transfers | |||
| Limit $5,000 - $30,000 | 13.40% | 6.65% | 0.03671% |
| Limit $250 - $4,999 | 18.00% | 11.65% | 0.04932% |
| Secured | 18.00% | 11.75% | 0.04932% |
| Cash Advances | |||
| Limit $5,000 - $30,000 | 15.75% | 9.00% | 0.04315% |
| 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 03/31/2026 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 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. | |||
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Visa® Services
Extra Credit Card Bonuses
Visa® Rewards
Visa® Rewards
Elevate Your Experience with Visa® ScoreCard Rewards! You will earn points for every dollar charged. Points are redeemable via instant Premium Payback at:
• Walmart®
• CVS®
• PayPal®
• Walgreens®
• Dollar General®
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Visa® Purchase Alerts
Visa® Purchase Alerts
Your First New York Visa® credit or debit card allows you to receive Visa® Purchase Alerts for all of your purchases. Set up your alerts today!
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Visa® Debit & Credit Card Controls
Visa® Debit & Credit Card Controls
Get notified of purchases in real time with our new card controls. Learn the 11 steps to set up your FNY Visa® Credit and Debit card controls.
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