| IN:NYC® Card from American Express |
| Written by renxue |
| April 23, 2008 15:10 |
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IN:NYC® Card from American Express Issued by American Express. CREDIT CARD REVIEW
 | This review was last updated on 1/10/2008 12:00:00 AM | Overall Rating: 4.0
Ratings are on a scale of 1 to 5 based on customers who successfully applied for this card. | | The IN:NYC® Card from American Express is designed for those with good credit who live in or frequently visit New York City and plan to take advantage of the various benefits and services that are in New York City. Through the reward program, cardholders earn two points for every dollar spent on dining establishments, movie theaters, cell phone service, cable and satellite television service, dial-up Internet service, gym memberships, and magazine and newspaper subscriptions, and they earn one point for every dollar spent on all other purchases. Points can be redeemed for benefits and experiences based in New York City, such as free hotel stays, dining, and airline travel. Points never expire, and there is no yearly limit to the amount that can be earned. Perhaps what is most impressive about the program is the Tuesdays IN:NYC program. Cardholders can use the card at select participating merchants such as Nickel Spa for Men, Oasis Day Spa, Zabar's, and Jean Paul Gaultier on any Tuesday and get 10% off their purchase. Plus, cardholders save $15 on purchases of $150 or more at J&R Music and Computer World. The IN:NYC Card also provides cardholders with priority access to venues such as Irving Plaza and membership discounts at the Guggenheim Museum. The interest rate for purchases is reasonably low (for a reward card), and there is no annual fee. There is also a 0% introductory rate on purchases and balance transfers for the first six months. Aside from the reward program, this card offers a variety of standard benefits that include travel accident insurance, auto rental insurance, purchase protection, and various travel and emergency assistance services. Therefore, those who can afford to pay in full each month after the introductory rate expires (to avoid finance charges), live or frequently stay in New York City (to earn additional points), and can accumulate enough points for dining and entertainment experiences will benefit most from what the IN:NYC® Card from American Express has to offer. | | |
REWARD PROGRAM INFORMATION
 | Type Of Rewards: Point | Reward Program Optional: No
Optional programs may have a fee. See Terms and Conditions for details. | | | | For Cards with Rebates Incentives | | Lowest Possible Rebate: n/app | | Highest Possible Rebate: n/app | | Additional Rebates: n/app | | Rebate Details: n/app | | | | For Cards with Points Incentives | | Points Per Dollar Spent: 1 Point | | Additional Points: Earn two points for every dollar spent on dining establishments, movie theaters, cell phone service, cable and satellite television service, dial-up Internet service, gym memberships, and magazine and newspaper subscriptions. | | Point Details: Points are redeemable for merchandise, entertainment, and New York City benefits. | | | | For Cards with Miles Incentives | | Miles Per Dollar Spent: n/app | | Additional Miles: n/app | | Program Details: n/app | | | Rewards Expiration Period: None
This period applies to all rebate, point and reward programs. | | Annual Limit: None | | |
ADDITIONAL PERKS
 | Free access to the INSIDE Rewards program. Discounts on products and services at participating merchants and retailers. Various Internet account related services. Identity theft assistance. Year-end financial statement. No liability for unauthorized transactions. Return protection. Extended warranty for purchases. Purchase protection. Auto rental insurance. Emergency card replacement. Medical referral services. Legal referral services. Emergency cash replacement. Lost luggage service. Various travel and emergency assistance services. Up to $100,000 in travel accident insurance. See website for additional benefits. |
BASIC INFORMATION
 | Introductory Rate: 0% APR for 6 Months | | Rate Applied To: Purchases, Balance Transfers | | Additional Details: The introductory rate is available on balance transfers submitted during the application process. | | Regular APR: 11.49% | Variable or Fixed: Variable
Variable APR's are based on the Prime Rate. | | Annual Fee: $0 | | Annual Fee Details: None | | Application Fee: n/app | | Participation Fee: n/app | | Reload Fee: n/app | | Inactive Fee: n/app | | Total First Year Fees: n/app | | Type Of Rewards: Point | | Be sure to read the card's Terms and Conditions for more details. |
Special Notations:
Card is currently unavailable to residents of Puerto Rico. See website for complete terms and conditions of card usage and application disclosure.
Always read the credit card's Terms and Conditions before applying! |
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