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Find the Right Credit Card for You

With options for everything from earning cash back to building your credit, NY TEAM has you covered. Compare our cards and apply today for the one that fits your lifestyle and spending habits.

Here are your options:

No-Frills Platinum MasterCard
No gimmicks, just a seriously low rate.

Classic Rewards Card
Get Rewarded for Each Purchase you Make!

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Rewards Program

New MasterCard Offers

Limited Time: Intro Offers

Start your Balance Transfer

Consolidate high-interest debt to payoff sooner.

CLASSIC REWARDS CARD

The Rewards Credit Card is a great option if you enjoy redeeming rewards for gift cards, travel or other great stuff.

Features Include:

  • Insanely low rate of 14.80% APR
  • No annual fee
  • Enjoy MasterCard’s round-the-clock fraud protection and customer service
  • With MasterCard Zero Liability, you’re not held responsible for unauthorized purchases
  • Optional credit and life insurance
  • Manage your account online at EZCARDINFO

NO-FRILLS PLATINUM CREDIT CARD

Do you like keeping your finances simple and easy? The Low Rate credit card can help you do just that. Your interest rate will start low and stay low. It’s a great card to have in your wallet for purchases you want to pay off over time without accruing too much interest.

Features include:

  • Insanely low rate of 9.90% APR
  • No annual fee
  • Enjoy MasterCard’s round-the-clock fraud protection and customer service
  • With MasterCard Zero Liability, you’re not held responsible for unauthorized purchases
  • Optional credit and life insurance
  • Manage your account online at EZCARDINFO

How We Will Calculate Your Balance:

We use a method called “average daily balance (including new purchases).”

Balance Transfer Introductory APR:

Any existing balances on NY Team Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Loss of Introductory APR:

We may end your Introductory APR for purchases and apply the Penalty APR if you are 60 days late in making a payment.

Application of Penalty APR:

Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

Effective Date:

The information about the costs of the card described in this application is accurate as of: August 19, 2019

This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Classic Mastercard and Platinum Mastercard are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

Other Fees & Disclosures:

Late Payment Fee:

$20.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment.

Balance Transfer Fee (Finance Charge):

3.00% of each balance transfer.

Cash Advance Fee (Finance Charge):

$5.00.

Returned Payment Fee:

$27.00 or the amount of the required minimum payment, whichever is less.

Card Recovery Fee:

$75.00.

Card Replacement Fee:

$5.00.

Emergency Card Replacement Fee:

$5.00.

Statement Copy Fee:

$5.00.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.