New York Community Bank Credit Cards

New York Community Bank (NYCB) is a small community bank located in New York City. The bank is part of the much-larger New York Community Bank brand, which includes several other smaller banks throughout the region. The bank issues several credit cards through First National Bank of Omaha (First Bankcard), designed for everyday use. Browse a selection of credit card offers below.

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NYCB 2% Cash Back Visa® Card

NYCB 2% Cash Back Visa® Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

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
Poor-No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Poor / No Credit Required
Visa Processing Network
None Annual Fee

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
No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Visa Processing Network
None Annual Fee

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

About New York Community Bank

New York Community Bank (NYCB) is one of the largest banks in the United States. The Bank, which features several different brands, has over $53 billion in assets as of 2020, making it the 45th largest Bank in the country in terms of total assets.

NYCB dates to 1859 and the Queens County Savings Bank – a name it still uses in certain parts of New York City. The Bank changed its name to its current moniker in 2000 to better reflect its various brands – and geographical reach.

The NYCB brand operates branches throughout New York, New Jersey, Ohio, Florida, and Arizona. These branches are operated under the following names within the NYCB Family of Banks:

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, all members of the NYCB Family of Banks are fully FDIC insured.

Find the Best Card for You

The team at BestCards.com knows how hard it is to find your perfect credit card. This is especially true if you don’t have the right tools and knowledge. That’s why we offer insightful credit card reviews, as well as informative articles to guide you every step of the way. Browse our 1,000 reviews and find your best card today.

Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.

Advertiser Disclosure

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.