Credit Card Review: IN:LA(SM) Card

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Estimate Reward Earnings

The IN:LA(SM) Card from American Express is designed for those with good credit who live in or frequently visit Los Angeles and plan to take advantage of the various benefits and participating services that are in Los Angeles.

In reference to the reward program, one INSIDE Rewards point is earned for every dollar spent on general purchases. Double points are awarded for every dollar spent on "City Essentials", which include newspaper and magazine subscriptions, movies, dining, cell phone services, cable and dial-up ISP subscriptions, and gym memberships. Points can be redeemed for benefits and experiences based in LA, Chicago, and New York City, such as free hotel stays, dining, and airline travel. An added benefit is that earned points never expire and have no yearly limit.

Perhaps what is most impressive about the program is the Tuesdays IN:LA program. Cardholders can use the card at select participating retailers, spas, and health clubs on any Tuesday and get 10% off their purchases. The IN:LA Card also provides cardholders with priority access to clubs and VIP rooms, and it can help save on museum memberships, concerts, and more.

The interest rate for purchases is considered reasonably low (for a reward card), and there is no annual fee. There is also a 0% introductory rate for purchases and balance transfers for the first six months.

This card also provides a variety of standard benefits that include travel accident insurance, auto rental insurance, and various fraud protection services with each usage (see website for all benefits available).

Therefore, those who can afford to pay in full each month after the introductory rate expires (to avoid finance charges), frequently stay or live in Los Angeles (to earn additional points), and can accumulate enough points for dining and entertainment experiences will benefit most from what the IN:LA(SM) Card from American Express has to offer.

(Review Updated: March 11, 2008)

Estimate Reward Earnings

0% Intro APR on Purchases, Balance Transfers for 6 months
9.24% Regular Variable APR for Purchases
20.24% Regular Variable APR for Cash Advances

20 days Grace Period

(* The introductory rate is available on balance transfers submitted during the application process.)

Finance Configuration: Average daily balance (including new purchases).

Additional Cardholders: $0

Late Payment Fee: Subject to applicable law, $19 on balances less than $400 and $38 on balances $400 or greater.

Over-The-Limit Fee: $35, subject to applicable law.

Cash Advance Fee: 3% of each transaction with $5.00 minimum and no maximum.

Balance Transfer Fee: There is no fee for balance transfers made within the first 90 days of Cardmembership. However, future balance transfers may incur a fee as disclosed at the time of the applicable offer or transaction.

Minimum Credit Limit: n/a

Maximum Credit Limit: n/a

Type of Reward: Point

Points per Dollar: 1.00

Additional Points: Earn two points when you use the Card for city essentials like dining, movie tickets, cell phone service, cable and internet service, gym memberships, and newspaper and magazine subscriptions.Redeem points for rewards to eat, drink, play in Los Angeles

Bonus Points First Purchase: n/a

Bonus Points Other: n/a

Expiration: None

Yearly Limit: None

Additional Features for IN:LA(SM) Card:

Various Internet account related services.
Fraud and security protection services.
Year-end financial statement.
Extended warranty for purchases.
No liability for unauthorized Internet transactions.
Purchase protection.
Emergency card replacement.
Emergency cash replacement.
Auto rental insurance.
Medical referral services.
Legal referral services.
Lost luggage service.
Up to $100,000 in travel accident insurance.
Various travel and emergency assistance services.
Free access to the INSIDE Rewards program.
See website for additional benefits.

Important Notes for IN:LA(SM) Card:

Card is currently unavailable to residents of Puerto Rico.
See website for complete terms and conditions of card usage and application disclosure.

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Notes: The review on IN:LA(SM) Card was updated on March 11, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.