New York & Company Credit Card: Benefits, Login, Payments & Rewards Guide (2026)

If you shop at New York & Company regularly, you've probably seen the offer for the RUNWAY REWARDS Credit Card at checkout. Before you apply — or if you already have the card and need to log in or pay a bill — here's a complete, no-nonsense breakdown of how it works, what it costs, and whether it's worth carrying in 2026.

What Is the New York & Company Credit Card?

The New York & Company credit card is a store rewards card issued by Comenity Bank (part of Bread Financial), tied to New York & Company's RUNWAY REWARDS loyalty program. There are actually two different cards, and mixing them up is the most common source of confusion:

If you only got offered a discount at the register and never received a physical card with a Mastercard logo, you almost certainly have the store-only version — not the Mastercard.

Key Benefits

• Earn $10 in Rewards for every $200 spent at New York & Company or nyandcompany.com (roughly a 5% return on store purchases)
• VIP status doubles that to $20 in Rewards per $200 spent once you spend $400 in a calendar year on the card
• Birthday Rewards if you've made a purchase in the qualifying window before your birthday
• Free economy shipping days, offered periodically to cardholders
• Cardholder appreciation events and early access to sales
• $0 annual fee
• On the Mastercard version, you also earn points on purchases made anywhere else Mastercard is accepted, not just at New York & Company

(Exact reward thresholds and promotions change periodically — verify current terms on New York & Company's Rewards Card Benefits page or your cardholder agreement before publishing final numbers.)

APR, Fees & What It Actually Costs

This is the part most "rewards" content glosses over, so let's be direct about it:

• Regular variable purchase APR: around 25.99% (subject to your creditworthiness and can change — confirm the current rate in your cardholder agreement, as Comenity adjusts rates periodically)
• Annual fee: $0
• Late payment fee: applies if you miss your due date — check your statement for the exact amount, as it varies by state and account history

Important accuracy note: Unlike big-ticket store cards (furniture, electronics, appliances), the New York & Company card does not appear to offer deferred-interest promotional financing (e.g., "0% for 12 months, interest charged retroactively if not paid in full"). Based on the card's own benefits page, the value proposition here is the ongoing points-back rate, not a financing promotion. If you ever see a deferred-interest offer advertised on this card at checkout, read the fine print carefully — deferred interest means if you don't pay the full balance by the end of the promo period, interest is charged retroactively from the original purchase date, not just from when the promo ends.

Because the APR is well above the national average for credit cards, this card only makes financial sense if you pay your statement balance in full every month. Carrying a balance can erase the rewards value quickly.

How to Log In to Your New York & Company Credit Card Account

Both card versions are serviced by Comenity, but they use separate login portals — this trips a lot of people up.

If you have the store-only RUNWAY REWARDS Credit Card:

1. Go to the Comenity account login page for New York & Company (linked from nyandcompany.com's credit card page)
2. Enter your username/email or card number
3. Enter your password (or set one up if this is your first login)
4. Once logged in, you can view your balance, statements, and rewards

If you have the RUNWAY REWARDS Mastercard:

1. Use the separate Comenity Mastercard login portal for New York & Company (also linked from the same benefits page)
2. Log in the same way — username/card number plus password

First-time login / registration: You'll need your card number, billing zip code, and Social Security number (or the last 4 digits, depending on verification method) to register a new online account.

Forgot your username or password? Use the "Forgot Username/Password" link on the login page — Comenity will verify your identity and send a reset link to your email on file.

How to Make a Payment

You have several ways to pay your New York & Company credit card bill:

1. Online: Log in to your account and submit a one-time payment or schedule a future-dated payment
2. AutoPay: Set up automatic payments from a linked bank account so you never miss a due date — this is the single best way to avoid late fees and protect your credit score on a high-APR card like this one
3. By phone: Call the number on the back of your card or your billing statement to pay via automated system or a representative
4. By mail: Send a check or money order to the payment address printed on your monthly statement (mailed payments take longer to post, so allow extra time before your due date)

Minimum payment: Listed on your statement and online account — it's either a flat amount or a percentage of your balance, whichever is greater, and it includes any fees or past-due amounts.

How the Rewards Program Works

• Every purchase at New York & Company earns points toward Rewards certificates
• Rewards convert at a rate of roughly $10 in Rewards for every $200 spent (about 5% back) on the store version
• VIP cardholders (those who spend $400+ in a calendar year) earn double — about $20 per $200 spent
• Rewards typically arrive as redeemable certificates with their own expiration window — don't let them sit unused
• On the Mastercard version, purchases made elsewhere also accumulate points, just at a lower rate than in-store NY&Co purchases

If you shop New York & Company often, the rewards rate is genuinely competitive among store cards. If you only shop there occasionally, a flat-rate cash-back card from a major issuer will likely earn you more — and won't carry a 25%+ APR.

Does This Card Affect Your Credit Score?

Yes. Comenity reports account activity to the major credit bureaus, so:

• On-time payments can help build your payment history, the single biggest factor in your credit score
• High utilization (carrying a large balance relative to your limit) can hurt your score
• A hard inquiry at application will cause a small, temporary dip
• Closing the card later could affect your average account age and available credit, depending on your overall credit profile

This card can be a reasonable credit-building tool for someone with fair credit who pays in full each month — but it's not a substitute for a no-annual-fee, lower-APR card if your goal is purely building credit at the lowest cost.

Frequently Asked Questions (FAQs)

Is the New York & Company Credit Card Worth It?

Get this card if:

• You shop at New York & Company regularly and will hit VIP status
• You pay your statement balance in full every month
• You want a no-annual-fee way to earn extra rewards on a brand you already buy from

Skip this card if:

• You rarely shop at New York & Company
• You tend to carry a balance month to month (the ~26% APR will outweigh the rewards fast)
• You want one card that earns strong rewards everywhere, not just at one retailer

This guide is for informational purposes and is not financial advice. Card terms, APRs, and rewards rates change — always confirm current details directly with Comenity Bank / New York & Company before applying.