- HelpMeLogin is not Comenity Bank, New York & Company or a lender. This site holds no account, cannot see a balance and gives no credit advice.
- The purchase APR on the September 2026 terms is 35.99%, with penalty pricing up to 39.99%. Carrying a balance costs multiples of what the points return.
- A Comenity page headed "Important update regarding your RUNWAYREWARDS Credit Card account" sits behind Incapsula and could not be read. Its contents are undisclosed. The September 2026 terms show an actively issued card, so read no closure into it.
- Two websites, two companies. The shop at nyandcompany.com and the card at c.comenity.net are run by different businesses, and neither signs you into the other.
- The published lines are 1-800-889-0494 and 1-800-695-1788 for TDD/TTY. A number that arrives by text about your account is not one of them.
The RUNWAYREWARDS card is open and Comenity Bank still issues it, on terms print-dated September 2026 with no closure notice in them. Both tiers earn "1 Point for each $1.00", and the difference sits entirely on the way out. Base cardholders get "a $10 Reward Certificate" for 200 points, which is 5 cents a point. VIP cardholders get "a $20 Reward Certificate" for the same 200 points. That is 10 cents a point, exactly double.
Every account and rewards login guide on this site
What you need
13 itemsHow it works
Check which tier the account sits in, because it doubles the money
Earning is identical on both. Redemption is where they part: 200 points buy a $10 Reward Certificate as a Base cardholder and a $20 one as a VIP. Same spending, twice the certificate.
Divide before comparing this against anything else
A base point is worth five cents and a VIP point ten. Few store cards publish a redemption rate clearly enough to allow that sum.
Count 13 months from the posting date, not from the statement
The wording is precise. Points expire 13 months after the date they are posted, so a balance built up across a year starts falling away piece by piece rather than all at once.
Sign in on the issuer's portal
c.comenity.net/newyorkandcompany is the account. Older bookmarks pointing at nyandcompanycard.com sit in Comenity's own address range, so that name is part of the same operation.
If something goes wrong
My certificate came out at $10 and a friend's was $20
- Cause
- Different tiers, identical earning
- Fix
- Base and VIP both earn 1 point per $1.00. Only the redemption differs, at $10 against $20 for the same 200 points.
My points disappeared
- Cause
- The 13-month clock
- Fix
- Points expire 13 months after the date they are posted. Because that runs per posting rather than per account, a balance drains gradually and the oldest points go first.
I read that the card was being closed
- Cause
- A Comenity page nobody can open
- Fix
- The marketing page headed "Important update regarding your RUNWAYREWARDS Credit Card account" sits behind Incapsula and could not be read here. Its contents are undisclosed. What can be read, the September 2026 terms, shows an actively issued card.
The shop website will not accept my card login
- Cause
- Two companies, two systems
- Fix
- nyandcompany.com resolves to Shopify and the card lives on c.comenity.net. The store's e-commerce passed to Saadia Group after the RTW Retailwinds bankruptcy, and the bank was never part of that sale.
I keep being charged for a paper statement
- Cause
- A published fee applies
- Fix
- The terms allow up to $2.99 a month where the balance exceeds $3.50 and a paper bill is mailed. Switching to electronic statements ends it.
What’s fixed, and what actually varies
Two tiers, one earn rate, and a redemption rate that decides everything. The account screen is the only place that says which tier you are in.
Fixed
- Comenity Bank issues the card, with no closure notice in the September 2026 terms
- Both tiers earn 1 point per $1.00
- 200 points buy a $10 Reward Certificate at Base and a $20 one at VIP
- Points expire 13 months after the date they are posted
- The annual fee is None, on the same terms document
Varies
- Which tier your account holds, which doubles or halves the value of every point
- What counts as a Net Eligible Purchase on the VIP wording
- Which of the two old web addresses a bookmark points at
Read the tier name on the account screen before working out what a balance is worth. The certificate value is the only place the difference shows.
How compares
Three programmes that publish both halves of their arithmetic, which is the only reason they can be ranked at all.
| Chain | Earn | Redeem | What one point is worth |
|---|---|---|---|
| RUNWAYREWARDS VIP | 1 point per $1.00 | 200 points = a $20 Reward Certificate | 10.0 cents, and 10% back |
| Ranch Rewards | 1 point per $1 | 100 points = $5.00 | 5.0 cents, and 5% back |
| fas REWARDS | 10 points per $1 in store | 500 points = $1.00 | 0.2 cents, and 2% back |
Each figure is divided out of that programme's own published wording, read on 8 September 2026. The Base tier of this card halves the top row to 5.0 cents.
A VIP point is the most valuable single point on this hub, and it sits on a card charging 35.99%. Ten per cent back means nothing to anyone carrying a balance.
Same points in, double the certificate out
Store card tiers usually differ on the earn side. Spend more, earn faster, climb a ladder. This one does something else, and no guide seems to have divided it out.
Read the tiers side by side. Base cardholders earn "1 Point for each $1.00 spent on all purchases". VIP cardholders earn "1 Point for each $1.00 of Net Eligible Purchases". Different wording, identical rate. Now the way out. For Base: "For every 200 Points you earn as a Base cardholder, you will receive a $10 Reward Certificate". For VIP: "For every 200 points you earn as a VIP cardholder, you will receive a $20 Reward Certificate". Divide each. Ten dollars over 200 points is five cents; twenty over the same 200 is ten. Exactly double, and every cent of the difference happens at redemption rather than at the till.
A VIP point is therefore the most valuable single point on this hub. Set that against the rest of the document: 35.99% on purchases, penalty pricing up to 39.99%, and late or returned payments at up to $41.00 apiece. Ten per cent back is a rounding error against interest at those rates.
Points also have a shelf life. "Points will expire 13 months after the date that they are posted", per posting rather than per account, so a balance leaks from the oldest end.
Then the addresses, because two look official and only one holds the debt. Card business runs through c.comenity.net/newyorkandcompany, and the older nyandcompanycard.com sits inside Comenity's own range at 205.144.52.221. The shop is a different animal. nyandcompany.com resolves to 23.227.38.65, a Shopify address, after the RTW Retailwinds bankruptcy sent the brand's e-commerce assets to Saadia Group. Two websites, two companies, one brand name. The bank in Wilmington, Delaware never changed hands, and payments still go to a PO box in Columbus, Ohio.
Questions people ask
Who issues the New York & Company credit card?
Comenity Bank of Wilmington, Delaware. A terms document print-dated September 2026 shows the card still being issued, with no closure notice in it.
What is a RUNWAYREWARDS point worth?
Five cents at Base and ten cents at VIP. Both tiers earn 1 point per $1.00, and 200 points buy a $10 or a $20 Reward Certificate respectively.
Do RUNWAYREWARDS points expire?
Yes, 13 months after the date they are posted. Each posting carries its own clock, so a balance falls away in pieces.
Is the card being closed?
Nothing readable says so. A Comenity page with that kind of heading sits behind Incapsula and its contents are undisclosed, while the September 2026 terms show an open card.
Why will my card login not work on the shop's website?
They are separate companies. nyandcompany.com runs on Shopify under Saadia Group, and the account sits with Comenity Bank on c.comenity.net.
What is the phone number?
1-800-889-0494, with 1-800-695-1788 for TDD/TTY. Payments by post go to Comenity Bank, PO Box 182273, Columbus, Ohio 43218-2273.