Last Updated: 07/28/2025
First New York Federal CU Visa® Gold Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 14.90%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
Starting at 14.90%(Verified 06/21/2024)
Credit Score Range
670 - 850
Annual Fee
$0
First New York Federal CU Visa® Gold Credit Card Review
This is a rewards card issued by First New York Federal Credit Union. If you're wondering whether First New York Federal CU Visa® Gold Credit Card is the right card for you, read on.
Key Takeaways
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of First New York Federal CU Visa Gold Credit Card
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First New York Federal CU Visa Gold Credit Card FAQ
Does First New York Federal CU Visa Gold Credit Card have a cash back or rewards program?
First New York Federal CU Visa Gold Credit Card is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does First New York Federal CU Visa Gold Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does First New York Federal CU Visa Gold Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the First New York Federal CU Visa Gold Credit Card benefits?
First New York Federal CU Visa® Gold Credit Card provides the following benefits:
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for First New York Federal CU Visa Gold Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.First New York Federal CU Visa® Gold Credit Card has a variable purchase APR starting at 14.90%. The card has a variable balance transfer APR starting at 14.90% . It also has a variable cash advance APR of 17.25% .
Does First New York Federal CU Visa Gold Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 4.99% for a period of 3 months.
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| Balance Transfer APR | Starting at 14.90% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 4.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 3 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does First New York Federal CU Visa Gold Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 4.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 3 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 4.99% on qualified purchases for a period of 3 months.
What are the fees for First New York Federal CU Visa Gold Credit Card?
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| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
What is the customer service phone number for First New York Federal CU Visa Gold Credit Card?
The customer service number for First New York Federal CU Visa Gold Credit Card is (518) 393-1326.
What is the support contact email for First New York Federal CU Visa Gold Credit Card?
The support contact email for First New York Federal CU Visa Gold Credit Card is support@firstnewyork.org.
What is the login page for First New York Federal CU Visa Gold Credit Card?
You can access the login page of First New York Federal CU Visa Gold Credit Card here.
How do people rate the customer service and user experience of First New York Federal CU Visa Gold Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does First New York Federal CU Visa® Gold Credit Card report your account activity to credit bureaus?
Yes, First New York Federal CU Visa® Gold Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does First New York Federal Credit Union perform a hard credit pull?
Yes, First New York Federal CU Visa Gold Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for First New York Federal CU Visa Gold Credit Card
- Visit the website of First New York Federal CU Visa Gold Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Hours of Operation
Sunday
Closed
Monday
7:00AM - 6:00PM
Tuesday
9:00AM - 6:00PM
Wednesday
7:00AM - 6:00PM
Thursday
7:00AM - 6:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM