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AmTrust 2% Cash Back Visa® Card
AmTrust 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 AmTrust 2% Cash Back Visa® Card truly lives up to its name. The card is a cash back rewards credit card that earns 2% back on all purchases. Reward options including statement credits, deposits to AmTrust or external bank accounts through ACH electronic payments, or for other rewards in the BucksBack Rewards program.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 2% cash back (2 points) on every purchase
- Automatically redeem your rewards into your checking or savings account with ACH Deposit
- Cash Back rewards earned are good for 3 years
- 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 in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You prefer cash back or statement credits over rewards points
- You want to transfer rewards to an external bank account
- You do’t plan to carry a balance
- You do’t want to pay an annual fee
AmTrust Platinum Edition Card
AmTrust Platinum Edition Card
- 20.49% to 26.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.49% to 26.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.49% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The AmTrust Platinum Edition Visa Credit Card offers new accounts 12 months of introductory 0% APR on balance transfers and purchases. The card also benefits from a $30 bonus when you spend $600 within the first 3 billing cycles after the account is opened – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR for 12 months on balance transfers
- Redeem rewards for cash back, gift cards, travel or merchandise
- $30 Bonus (3,000 points equivalent) when you spend $600 within the first 3 billing cycles
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 20.49% to 26.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 20.49% to 26.49% 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: 29.49% 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 each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You have an existing balance you want to pay down over the first year after opening an account
- You want to earn a $30 bonus after spending $600
- You don’t want to pay an annual fee
AmTrust Secured Card
AmTrust 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 AmTrust Secured Card is a no annual fee secured card designed to help those with damaged credit – or those new to credit entirely – boost their credit score and advance to an unsecured card. The card minimum security deposit of $300, which could be refunded in as little as 11 months, and the card switched to the unsecured Platinum Card, based on good payment history. The card account charges no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Qualify for a credit line increase in as little as 7 months
- Get upgraded to the Platinum Edition unsecured card in as little as 11 months
- Credit limits between $300 and $5,000
- 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 in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- Minimum Deposit Required: $300
- You’re looking to boost your credit score
- You’re new to credit entirely or have had credit troubles in the past
- You want to establish good credit habits and graduate to an unsecured card
- You do’t want to pay an annual fee
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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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