Visa Credit Card

Our Visa Credit Card has no annual fee, a 25-day interest-free grace period on purchases, the ScoreCard Bonus Point Program, where you earn one point for every dollar charged for purchases and Visa Purchase Alerts to help monitor your account activitiy wherever you are.

Annual Percentage Rates valid as of November 1, 2017

Members opening a new First New York Visa Credit Card will enjoy these low promotional rates for the first 13 months:

Annual Percentage Rate. The Variable APR for purchases, balance transfers and cash advances will be the Prime Rate as published in the Wall Street Journal on the last day of each month plus a Margin as listed above. The Prime Rate on 10/31/2017 was 4.25%. The APR will not exceed the ceiling, or highest APR, which is the NCUA usury rate in effect at the time. As of 10/31/2017, the NCUA usury rate was 18.00% APR. APR offered is subject to change and all loans are subject to approval. For Fee information, read our Promotional Visa Credit Card Disclosure.

Rates for First New York Visa Credit Card holders not in a current promotion:

Annual Percentage Rate. The Variable APR for purchases, balance transfers and cash advances will be the Prime Rate as published in the Wall Street Journal on the last day of each month plus a Margin as listed above. The Prime Rate on 10/31/2017 was 4.25%. The APR will not exceed the ceiling, or highest APR, which is the NCUA usury rate in effect at the time. As of 10/31/2017, the NCUA usury rate was 18.00% APR. APR offered is subject to change and all loans are subject to approval. For Fee information, read our Visa Credit Card Disclosure.

Visa Gold Credit Card

Enjoy the benefits of a low cost First New York Visa Gold Card.  Our Gold Card gives you a great rate plus added value benefits, which makes our Gold Card an outstanding value.  Plus, all purchases earn points which can be redeemed for gifts, products and travel awards with the ScoreCard Bonus Point Program.

  • No annual fee
  • ScoreCard Bonus Point Program - accumulate points and redeem for gifts, products and travel awards -ScoreCard Bonus Point Login
  • Worldwide acceptance
  •  25-day interest-free grace period on purchases
  • Credit limit $5,000 up to $30,000, subject to credit approval
  • $500,000 travel and accident insurance when used to purchase travel tickets
  • Auto rental liability insurance
  • Warranty Manager Service: Extends manufacturer's warranty on items purchased with your card
  • Visa Assistance Services: Emergency card and cash replacement, ATM Location Service and Travel Assistance Service
  • Visa Purchase Alerts

Apply Now

Visa Classic Credit Card

Need some extra buying power?  Apply for a low cost First New York Classic Visa Credit Card and increase your buying power!  All purchases earn points which can be redeemed for gifts, products and travel awards with the ScoreCard Bonus Point Program. Plus, you can signt up for Visa Purchase Alerts to help monitor your account activitiy wherever you are.

  • No annual fee
  • ScoreCard Bonus Point Program - accumulate points and redeem for gifts, products and travel awards -ScoreCard Bonus Point Login
  • Worldwide acceptance
  • 25-day interest-free grace period on purchases
  • Credit limit up to $4,999, subject to credit approval
  • Visa Purchase Alerts 

    Apply Now

Report a Lost/Stolen Visa Credit Card or Fraudulent Transactions

Advanced EMV Chip Card Technology

First New York Visa Credit Cards have been upgraded with the added strength of advanced EMV micro-chip technology. EMV is designed to enhance fraud protection and provide an additional layer of security for your transactions.

If you are already a First New York credit card holder your card will be replaced with a new chip card upon your expiration date.

What is EMV?

EMV cards (EMV stands for Europay, MasterCard, and Visa) are also referred to as "chip cards" or "smart cards".  The chip represents the microchip technology in your card that increases security to help prevent fraudulent transactions.  This technology has been in use in Europe, Asia and Canada for some time now and has proved to be a major deterrent to fraud.

How Does the Chip Card Work?
The microchip in your new EMV credit card provides dynamic data which creates a one-time authenticator, which changes with each transaction.  This makes the card more secure and much more difficult to replicate or counterfeit than a credit card with just a magnetic stripe.

Will the Magnetic Stripe on the back go Away?
No, your new chip card will include the magnetic stripe, giving you dual-purpose technology to ensure your ability to make purchases even if a merchant is not chip enabled.

How Do I Use My New Card?
If the merchant has the proper payment terminal, you will be prompted to insert your card into the terminal.  Your card will be kept safely inside the terminal while the microchip is authenticated and the transaction is approved. The terminal screen will provide instructions, such as when to remove the card.

While chip cards are widely accepted throughout Europe, many merchants and retailers in the United States are still working to update their payment terminals to process chip card transactions.

When using your chip card, if the merchant does not have the proper payment terminal, you will simply swipe your card and process the transaction as you currently do.

When Will I get My New Credit Card?
EMV Chip Cards are being reissued when your existing card expires.

Will I Get a New Debit Card Too?
We are also currently working on converting our Visa Debit Cards to the new EMV Chip Card technology.

Transfer a Balance

We never charge a balance transfer fee. If you have a high interest rate credit card, transferring your balance to a First New York credit card could lower your rate and save you money. To start your balance transfer simply call us at 393-1326 and press 2, or visit any First New York branch.