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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.

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Showing 3 Cards

Date Reviewed: January 13, 2020

AmTrust Secured Card

AmTrust Secured Card
  • Regular Purchase APR 24.24% variable based on the Prime Rate
  • Balance Transfer APR 24.24% variable based on the Prime Rate
  • Cash Advance APR 26.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: 24.24% variable based on the Prime Rate
  • Balance Transfer APR: 24.24% 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: 26.74% 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 $39
  • Return Payment Penalty Fee: Up to $35
  • Minimum Deposit Required: $300

Date Reviewed: January 13, 2020

AmTrust 2% Cash Back Visa® Card

AmTrust 2% Cash Back Visa® Card
  • Regular Purchase APR 20.24% to 26.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 20.24% to 26.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: 20.24% to 26.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 20.24% to 26.24% 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: 26.74% 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 $39
  • Return Payment Penalty Fee: Up to $35

Date Reviewed: January 13, 2020

AmTrust Platinum Edition Card

AmTrust Platinum Edition Card
  • Regular Purchase APR 14.24% to 23.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.24% to 23.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.74% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 0% introductory APR for 15 months on balance transfers
  • Introductory balance transfer fee of 3%
  • $25 statement credit when you make a purchase within the first 3 billing cycles
Rates & Fees
  • Regular Purchase APR: 14.24% to 23.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 15 months
  • Balance Transfer APR: 14.24% to 23.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Introductory fee of either $10 or 3% of the amount of each transfer, whichever is greater, for balance transfers made in the first 15 billing cycles. After that, either $10 or 5% of the amount of each transfer, whichever is greateR
  • Cash Advance APR: 26.74% 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 $39
  • Return Payment Penalty Fee: uP TO $35

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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 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 credit cards and NYCB:

What credit report does AmTrust pull?

  • 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.

What credit score do you need for an AmTrust credit card?

  • 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.

Does the bank provide automatic credit line increases?

  • 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.