New York & Company RunwayRewards Credit Card Review: Rewards, Fees & Benefits

Rewards

Category	Rate	Type	Cap
New York & Company Purchases Earn 2 points for every $1 spent on Net Eligible Purchases made at New York & Company stores or at nyandcompany.com using your RunwayRewards Visa Credit Card.	2x	Points	No cap
All Other Purchases Earn 1 point for every $1 spent on Net Eligible Purchases made anywhere else Visa credit cards are accepted using your RunwayRewards Visa Credit Card.	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee The RUNWAYREWARDS Credit Card carries no annual fee for cardholders.	Financial	$0 Annual Fee Up to $0
Online Account Management Cardholders have 24/7 access to account management tools via Comenity's online portal, including the ability to view transactions, statements, scheduled payments, and send secure messages.	Financial	Complimentary
Paperless Statements Cardholders can enroll in paperless statements to waive the monthly paper statement fee of $2.99 that applies when the balance exceeds $3.50.	Financial	Fee waiver via enrollment
Birthday Savings Offer Cardholders receive a special birthday savings offer with no exclusions each year, provided they have made a qualifying purchase in the previous 12 months and maintain a valid email address and U.S. mailing address; accounts opened in the birthday month or prior month receive the offer in the following calendar year.	Lifestyle	Special birthday discount (no exclusions)
Exclusive Cardholder Events and Offers RUNWAYREWARDS Credit Card holders receive access to special cardholder-exclusive events and promotional offers at New York & Company.	Lifestyle	Complimentary
VIP Status Upgrade Cardholders who spend $400 or more in a calendar year on qualifying purchases with their RUNWAYREWARDS Credit Card (minus returns) are upgraded to VIP status; VIP status must be maintained by spending $400 per calendar year.	Lifestyle	Complimentary with $400 annual spend
$10 Reward for Every $200 Spent Cardholders earn a $10 reward certificate for every $200 spent on qualifying purchases with the RUNWAYREWARDS Credit Card, redeemable at New York & Company.	Rewards	$10 per $200 spent Up to $10
$20 Reward for VIP/Premier Cardmembers VIP and Premier status cardmembers earn a $20 reward certificate for every $200 spent, doubling the standard reward rate.	Rewards	$20 per $200 spent Up to $20
Zero Fraud Liability Cardholders are not held responsible for unauthorized charges made on their account, provided they report the unauthorized activity promptly to Comenity Bank.	Security	Complimentary
Free Shipping Offers RUNWAYREWARDS Credit Card holders receive access to periodic free shipping offers (limited to economy shipping within the United States to the address on the order); these are offered periodically throughout the year and are exclusive to enrolled cardholders.	Shopping	Complimentary (periodic)

Interest Rates

Purchase APR35.99% Variable

Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Balance Transfer FeeEither $10 or 5% of the amount of each balance transfer, whichever is greater.

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $41

Returned Payment FeeUp to $30

Approval & Eligibility

580 Recommended minimum FICO · Range 580–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Co-ApplicantNot allowed

Credit Limit Range $300 – No limit listed

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit across Amex cards, excessive credit cycling, spending patterns inconsistent with declared income, abuse of return policies, frequent balance transfers without genuine need, and opening too many accounts in a short timeframe (even if within the 2/90 rule, if flagged by internal algorithms).

Cliff Effect Rules

This card may be part of a 'RunwayRewards' family. Receiving a welcome bonus for the 'new-york-company-runwayrewards' card may render an applicant ineligible for welcome bonuses on other closely related 'RunwayRewards' branded cards (e.g., 'RunwayRewards Preferred' or 'RunwayRewards Elite') within a specified timeframe or permanently, depending on the specific family rules in effect for 2026.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

American Express's 'new-york-company-runwayrewards' card for 2026 adheres to the following issuer rules: Applicants are eligible for one welcome bonus per card per lifetime. A maximum of two credit card approvals are permitted within any 90-day period. Eligibility requires applicants to be 18 years or older, possess a valid SSN or ITIN, meet American Express's creditworthiness standards, and not have previously received the welcome bonus for this specific card product.

New York & Company RunwayRewards Credit Card