Credit Card Review: IN:NYC® Card from American Express

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Estimate Reward Earnings

In order to take full advantage of any credit card rewards program, you have to be using a credit card that really fits your lifestyle. If you live in, or frequently travel to New York City, American Express has the reward credit card for you. Their IN:NYC® Card gives you the services, benefits, discounts and rewards that you want, in the city that you love. There's no better card to carry with you in The Big Apple.

With all of the best entertainment options in the world right at your fingertips, everyone knows it can be a little bit pricey to enjoy yourself in New York City. But when you use your IN:NYC® Card, whether you're staying in or going out on the town, you will always be getting a little something back. You will earn two points for every single dollar that you spend on dining establishments, movie theaters, cell phone service, cable and satellite television service, dial-up internet service, gym memberships and magazine and newspaper subscriptions. You will also earn one point on every other dollar that you spend on this card, no matter what you spend it on.

Your points can be redeemed for benefits and services across the city, including free hotel stays, dining, and even airline travel. Your points will never expire, and there is absolutely no yearly limit on the points that you can earn with this card.

In addition, as an IN:NYC® Card user, you will gain access to American Express® Tuesday's IN:NYC program. Through this program, you can use your card at select venues such as Nickel Spa for Men, the Oasis Day Spa, Zabar's, and Jean Apaul Gaultier on any given Tuesday, and automatically receive a 10% discount on your purchases. You will also save $15 on purchases of $150 or more at J&R Music and Computer World, and get priority access to venues such as Irving Plaza and a membership discount at the Guggenheim Museum.

As if that isn't enough, this card also offers travel accident insurance, auto rental insurance, and purchase protection, as well as various travel and emergency assistance services. For a reward credit card, this card has a reasonably low APR, and comes with no annual fee. It also offers a low introductory rate of 0% on purchases and balance transfers for your first six months of use. If you love New York City, you will love this card.

(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

(* 0% Intro APR for 6 months on purchases)

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 INSIDE Rewards that allow you to earn points to eat, drink, and play at New York hotspots.Earn two points for every dollar spent on dining establishments, movie theaters, cell phone service, cable and satellite television service, dial-up Internet

Bonus Points First Purchase: n/a

Bonus Points Other: n/a

Expiration: None

Yearly Limit: None

Additional Features for IN:NYC® Card from American Express:

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.

Important Notes for IN:NYC® Card from American Express:

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:NYC® Card from American Express 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.