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Credit Needed
Excellent

New York Community Bank American Express® Card Review

Top Features

Cashback on Gas
1%
Cashback on groceries
1%
Cashback on other
1%
Purchase APR
15.99%, 18.99%, 20.99% or 22.99%, based on your creditworthiness (Variable)

This card compared to other cash back cards

Card Name
New York Community Bank American Express® Card
Cashback on Gas
1%
1% When You Buy, 1% As You Pay
Up to 3%
Cashback on Groceries
1%
1% When You Buy, 1% As You Pay
Up to 2% at grocery stores
Cashback on other
1%
1% When You Buy, 1% As You Pay
1%
Purchase APR
15.99%, 18.99%, 20.99% or 22.99%, based on your creditworthiness (Variable)
13.24% - 23.24%* (Variable) 
13.24% - 23.24% Variable APR on purchases and balance transfers 
Rates and Fees
CardRatings.com Editorial Staff

New York Community Bank American Express® Card details

Balance Transfer Intro APR:
0% introductory APR for the first 12 billing cycle
Balance Transfer Intro Period:
12 billing cycles
Purchase Intro:
APR:
0% introductory APR for the first 12 billing cycle
Period:
12 billing cycles
Purchase APR:
15.99%, 18.99%, 20.99% or 22.99%, based on your creditworthiness
Annual Fee:
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 12.74%, 15.74%, 17.74% or 19.74%
 12.74%, 15.74%, 17.74% or 19.74%
 21.99%
APR:
  15.99%, 18.99%, 20.99% or 22.99%, based on your creditworthiness
(Variable)
 15.99%, 18.99%, 20.99% or 22.99%, based on your creditworthiness
 25.24% (variable)
APR Floor:
 None
 None
 None
Intro Rate:
 0% introductory APR for the first 12 billing cycle
 0% introductory APR for the first 12 billing cycle
 N/A
Intro Period:
 12 billing cycles
 12 billing cycles
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 3% of each transaction in U.S. dollars.
Late Fee:
 Up to $37
Over-the-limit Fee:
 None
Balance Transfer Fee:
Either $10 or 5% of the amount of each transfer, whichever is greater  


Notes:

Rebate Description:
 1% cash back on all purchases. No limit to the number of points you can earn. Points expire on or after the 3rd anniversary of when they were awarded. Premium travel privileges. Purchase protection and travel insurance.
Special Notes:
 APR Note: The Index used to determine your variable APRs is the U.S. Prime Rate shown in the "Money Rates" section of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. Rates reflected are in effect as of 1/20/2016, based on a Prime Rate of 3.25%. Returned Payment Fee: Up to $35.
Credit Card More Information:

Card Issued By:
 First Bankcard, a division of First National Bank of Omaha, for New York Community Bank
General Correspondence Address:
 
Card Type:
 American Express
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Citi® Double Cash Card

Citi® Double Cash Card

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Credit Needed:
Excellent/Good
Apply online for BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and 3% on gas up to the first $1,500 in combined grocery/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America(R) checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards
Credit Needed:
Excellent/Good