AmTrust Bank Credit Cards

AmTrust Bank is a Cleveland, Ohio-based bank that has branches throughout the United States, including locations in Ohio, Florida, and Arizona. AmTrust is part of the New York Community Bank family and offers credit card products designed for everyday use. Browse a selection of credit card offers below.

Cory Santos
by Cory Santos

Last updated on March 10th, 2023

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About AmTrust Bank

AmTrust Bank is an Ohio-based financial history with a long history. The bank dates to the late 19th century, when it was founded as the Ohio Savings, Loan & Building Company in 1889. By 2000, the bank had expanded its presence throughout the country, with branches in states including Arizona and Florida.

The original AmTrust failed in 2009, and its assets were purchases by New York Community Bank (NYCB). NYCB renamed many AmTrust locations as Ohio Savings Bank in the Ohio area but retained the AmTrust branding on other locations, such as Florida and Arizona.

AmTrust Branches

The bank has several branches throughout Southeastern Florida, including Miami-Dade, Broward, and Palm Beach counties. The bank also has extensive coverage in the Phoenix, Arizona market, with over ten branches in – and around – the city. The bank also features three other branches in Arizona: in Prescott and two in Sedona.

AmTrust Credit Cards

AmTrust Bank credit cards are like other New York Community Bank credit cards. All cards are traditional Visa (also known as Visa Classic) cards, meaning they offer the following benefits:

  • Zero Fraud Liability
  • Roadside Dispatch
  • Auto Rental Collision Damage Waiver
  • Emergency card replacement
  • Visa cardholder inquiry services

All AmTrust cards also feature no annual fee, making them a great option for people who already bank with the brand – and don’t want to pay a yearly charge for a credit card.

AmTrust Bank FAQs

Here are some of the frequently asked questions about AmTrust Bank credit cards and NYCB:

  • Like other banks and card issuers, AmTrust performs a credit check before approving applicants for their credit card offers. AmTrust is reported to pull from Tri-Merge. Tri-Merge is a credit report that contains information from all your credit reports., This pull means that the bank investigates all the major credit bureau reports, including Experian, TransUnion, and Equifax.
  • The bank is like other New York Community Bank brands in that it offers credit cards for all credit scores. Those with good or excellent credit can apply for the 2% Cash Back Visa or the Platinum Edition Visa, while those with a poor credit score can apply for the Secured Card.
  • AmTrust Secured Cardholders can receive a credit line increase in as little as seven months. When they receive a credit limit increase, there is no additional security deposit required. Also, in as few as 11 months, cardholders might be upgraded to the Platinum Edition Card and have their deposit returned.

Find the Best Card for You

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.