NYCB 2% Cash Back Visa Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Regular purchase APR
- 26.49% to 29.99% variable based on creditworthiness and the Prime Rate
At a glance
The NYCB 2% Cash Back Visa Card is a cash back rewards credit card that lives up to its name. The card earns 2% cash back (or 2X points) on every purchase, with reward options including statement credits, deposits to external bank accounts via ACH payments, or for merchandise or travel through the BucksBack Rewards program. The card has a higher-than-average typical APR on purchases and balance transfers but features no annual fee.
Our review of the NYCB 2% Cash Back Visa Card
The NYCB 2% Cash Back Visa Card from New York Community Bank is a top-notch cash back credit card option for New York residents.
How to Earn Cash Back
While the NYCB 2% Cash Back Visa claims to earn 2% back on all purchases, it actually earns double points (2X) for every dollar spent, equating to 2% cash back. Points can be used in the BucksBack Rewards Program with no limit on accumulation, although they do expire after three years.
How to Redeem Cash Back or Points
Points from the NYCB Cash Back Card can be redeemed through the BucksBack Rewards Program for a cash value of $0.10 per point. Rewards are available in 2,500-point increments and can be redeemed as statement credits, ACH deposits, or checks.
Other Card Features
The NYCB 2% Cash Back Visa Card comes with Visa benefits like Zero Fraud Liability coverage and Auto Rental Collision Damage Waivers for added peace of mind while traveling.
NYCB 2% Cash Back vs. Citi Double Cash
The NYCB Cash Back Card and Citi Double Cash Card both offer 2% back, but NYCB allows for more flexible redemptions. However, Citi has lower regular APR rates and an introductory 0% APR on balance transfers.
Should You Apply for the NYCB 2% Cash Back Visa Card
If you’re looking for a cash back card with a great rewards rate and prefer a more personal customer service experience, the NYCB 2% Cash Back Visa Card is a solid choice. While it may not have the lowest APR rates, it’s a fantastic option for those who pay their balance in full each month and want to earn rewards on every purchase.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- Automatically redeem your rewards into your checking or savings account with ACH Deposit
- Cash back rewards earned are good for 3 years before they expire
Who this card may suit
- You prefer your rewards as cash back or statement credits
- You want your rewards transferred to an external bank account
- You don’t plan on carrying a balance due to the high typical APR
- You do't want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 26.49% to 29.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 26.49% to 29.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 5% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $15 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $40 |
| Return Payment Penalty Fee | Up to $35 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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NYCB 2% Cash Back Visa Card
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