Low Rate, No Hidden Fees
- 4.99% Promotional Rate*
- 25,000 ScoreCard Bonus Points**
- No annual fee
- 25-day interest-free grace period on purchases
- ScoreCard Bonus Point Program, earning you 1 point per dollar charged
- Tap to Pay, featured on both First New York Visa® credit and debit cards
- Worldwide acceptance
- No balance transfer fee***
- Visa® Purchase Alerts
- Get a monthly statement via mail or e-statement
First New York Visa® Credit Cards
Compare our Gold, Classic, and Secured Credit Cards
First New York’s Visa® Gold Credit Card comes with exclusive features that help you bank smarter. Our Visa® Gold 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 activity wherever you are. You’ll also enjoy our new Tap to Pay feature on all of our First New York debit and gold, classic, and secured credit cards.
| Features | Visa® Gold | Visa® Classic | Visa® Secured |
|---|---|---|---|
| No annual fee | ✓ | ✓ | ✓ |
| 25-day interest-free grace period | ✓ | ✓ | ✓ |
| ScoreCard Bonus Point Program | ✓ | ✓ | ✓ |
| Visa® Purchase Alerts | ✓ | ✓ | ✓ |
| Tap to Pay | ✓ | ✓ | ✓ |
| Worldwide acceptance | ✓ | ✓ | ✓ |
| $500,000 travel and accident insurance (when used to purchase travel tickets) | ✓ | – | – |
| Credit limit $5,000 up to $30,000 (subject to credit approval) | ✓ | – | – |
| Credit limit up to $4,999 (subject to credit approval) | – | ✓ | ✓ |
| Product | Variable APR as low as* | Margin | Daily Periodic Rate |
|---|---|---|---|
| For Purchases | |||
| Gold | 4.99% | 6.65% | 0.01367% |
| Classic | 4.99% | 11.65% | 0.01367% |
| Secured | 4.99% | 11.75% | 0.01367% |
| Balance Transfers | |||
| Gold | 15.15% | 6.65% | 0.04151% |
| Classic | 18.00% | 11.65% | 0.04932% |
| Secured | 18.00% | 11.75% | 0.04932% |
| Cash Advances | |||
| Gold | 17.50% | 9.00% | 0.04795% |
| Classic | 18.00% | 11.75% | 0.04932% |
| Secured | 18.00% | 11.75% | 0.04932% |
| *Annual Percentage Rate. Promotional APR is applicable for all purchases made during the first 90 days of card ownership. Offer valid during the promotional period only. After the 90-day promotional period, the rate is based on Prime Rate, as published in the Wall Street Journal, plus a margin. APR on those purchases will remain at 4.99% through the initial 90-day promotional period. The Prime Rate as of 09/30/2023 is 8.50%. The APR will not exceed the ceiling, or highest APR of 18.00%. Rates are subject to change at any time and are subject to approval. Offer valid for existing First New York credit card holders only. Offer not valid for current cardholders or cardholders currently in another promotional program. For Fee information, read our Promotional Visa Credit Card Disclosure at FirstNewYork.org. **To receive the 25,000 ScoreCard points, activate the card and spend at least $1,000 during the first 90 days of card ownership. | |||
| Product | Variable APR as low as* | Margin | Daily Periodic Rate |
|---|---|---|---|
| For Purchases and Balance Transfers | |||
| Gold | 15.15% | 6.65% | 0.04151% |
| Classic | 18.00% | 11.65% | 0.04932% |
| Secured | 18.00% | 11.75% | 0.04932% |
| Cash Advances | |||
| Gold | 17.50% | 9.00% | 0.04795% |
| Classic | 18.00% | 15.00% | 0.04932% |
| Secured | 18.00% | 16.00% | 0.04932% |
| *Annual Percentage Rate. The Variable APR for purchases, balance transfers, and cash advances will be the Prime Rate published in the Wall Street Journal on the last day of each month plus a Margin as listed above. The Prime Rate as of 09/30/23 is 8.50%. The APR will not exceed the ceiling, or highest APR, which is the NCUA usury rate in effect at the time. As of 08/01/2022, 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. | |||
Visa® Services
Extra Credit Card Bonuses
Your First New York Visa® credit or debit card allows you to receive Visa® Purchase Alerts for all of your purchases. Set up your alerts today!
Read More
Get notified of purchases in real time with our new card controls. Learn the 11 steps to set up your FNY Visa® Credit and Debit card controls.
Read More
Propel your banking into the future with a safer and faster payment method: Digital Wallet. Learn what it is and how to set it up in 4 easy steps!
Read More*Annual Percentage Rate. Promotional APR is applicable for all purchases made during the first 90 days of card ownership. Offer valid during the promotional period only. After the 90-day promotional period, the rate is based on Prime Rate, as published in the Wall Street Journal, plus a margin. APR on those purchases will remain at 4.99% through the initial 90-day promotional period. The Prime Rate as of 09/30/2023 is 8.50%. The APR will not exceed the ceiling, or highest APR, which is the NCUA usury rate in effect at the time. As of 05/04/2023, the NCUA usury rate was 18.00% APR. Rates are subject to change at any time and are subject to approval. Offer valid for existing First New York credit card holders only. Offer not valid for current cardholders currently in another promotional program. For Fee information, read our Promotional Visa® Credit Card Disclosure at FirstNewYork.org.
**To receive the 25,000 ScoreCard points, activate the card and spend at least $1,000 during the first 90 days of card ownership. This offer is not available to current cardholders.
***We do not 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 or visit any First New York branch.
†Loan Center is available Monday-Friday from 8 a.m. until 6 p.m. and on Saturday from 9 a.m. until 1 p.m.