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NYCB 2% Cash Back Visa® Card
NYCB 2% Cash Back Visa® Card
- 26.49% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.49% to 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The NYCB 2% Cash Back Visa Card is a cash back rewards credit card that lives up to its name. The card earns 2% cash back (or 2X points) on every purchase, with reward options including statement credits, deposits to external bank accounts via ACH payments, or for merchandise or travel through the BucksBack Rewards program. The card has a higher-than-average typical APR on purchases and balance transfers but features no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Automatically redeem your rewards into your checking or savings account with ACH Deposit
- Cash back rewards earned are good for 3 years before they expire
- Regular Purchase APR: 26.49% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.49% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You prefer your rewards as cash back or statement credits
- You want your rewards transferred to an external bank account
- You don’t plan on carrying a balance due to the high typical APR
- You do’t want to pay an annual fee
NYCB Secured Card
NYCB Secured Card
- 29.24% variable based on the Prime Rate Regular Purchase APR
- 29.24% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The NYCB Secured Card is designed to help those who are either new to credit or repairing damaged credit boost their score and advance to an unsecured credit card in the future. The card requires a security deposit of at least $300, which may be refunded in as little as 11 months, and the card switched to an unsecured card, depending on good payment history. The card has no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Credit limits between $300 and $5,000
- Qualify for credit limit increases in as little as 7 months
- Possibility to upgrade to an unsecured card
- Regular Purchase APR: 29.24% variable based on the Prime Rate
- Balance Transfer APR: 29.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- Minimum Deposit Required: $300
- You want to boost your credit score but have had credit issues in the past
- You are determined to establish good credit habits and graduate to an unsecured card
- You don’t want to pay an annual fee
NYCB Platinum Edition Card
NYCB Platinum Edition Card
- 14.24% to 23.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.24% to 23.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 25.24% variable based on the Prime Rate Cash Advance APR
At a Glance
The NYCB Platinum Edition Visa Credit Card offers a lengthy introductory 0% interest rate on balance transfers of 15 months, plus a reduced fee for making transfers for the same period. The card also benefits from a $25 statement credit for making a purchase within the first three months of opening an account – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- $25 statement credit when you make a purchase within the first 3 months
- Introductory 3% balance transfer fee for the first 15 months
- 0% intro APR on balance transfers for 15 months
- Regular Purchase APR: 14.24% to 23.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from account opening date
- Balance Transfer APR: 14.24% to 23.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the transfer for the first 15 months; 5% of the transfer or $15, whichever is greater, after that
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You have existing balances you want to pay down over 15 months
- You want to earn an easy bonus of $25 for making the first purchase
- You don’t want to pay an annual fee
- You live in the Greater New York area
You’ve viewed 5 of 3 credit cards
New York
- Community Bank of New York
- Queens County Savings Bank
- Roslyn Savings Bank
- Richmond County Savings Bank
- Roosevelt Savings Bank
- Atlantic Bank
Ohio
- Ohio Savings Bank
Arizona and Florida
- AmTrust Bank
New Jersey
- Garden State Community Bank
NYCB Branch Locations
NYCB currently operates 225 branches in five states. For a complete listing of NYCB Family of Banks branch locations, hours, and contact numbers, please visit the Bank’s location page at www.mynycb.com.
FAQs About NYCB Credit Cards and Services
Here are answers to some frequently asked questions about NYCB credit cards, products, and services:
- Ohio Savings Bank was purchased by New York Community Bank. Ohio Savings Bank, which also operated under the name AmTrust, closed in 2009, with the assets purchased by NYCB.
- The routing number for New York Community Bank is 226071004.
- Yes, NYCB offers a mobile banking app – NYCB Mobile – which is available in both the Apple App Store and the Google Play store.
- Yes, all members of the NYCB Family of Banks are fully FDIC insured.
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