IN:NYC Card from American Express issued by American Express
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. 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. Most Attractive Feature: Double points earned on City Essentials; additional NYC benefits and services for cardholders; no annual fee; reasonably low APR for purchases. Least Attractive Feature: This card is not eligible for enrollment in the Membership Rewards® Program. Apply Now For IN:NYC Card from American Express Note: The review of this American Express card was updated on 04/24/2008 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Introductory Rates and Terms
Intro Rate:	0% APR for 6 Months
Applied Towards:	Purchases, Balance Transfers
Details:	The introductory rate is available on balance transfers submitted during the application process.
Miscellaneous Rates and Terms
Credit Limits:	$100,000 (Maximum) / $1,000 (Minimum)
Purchases APR:	9.24%
Cash Advance APR:	20.24%
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	20 Days
Fees Associated with this Card
Annual Fee:	$0
Add. Cardholders:	$0
Late Payment Fee:	$19 on balances up to $400 and $38 on balances of $400 and over
Over-the-Limit Fee:	$35
Cash Advance Fee:	3%, $5 minimum
Balance Transfers:	There is no balance transfer fee for balance transfers made within the first 90 of cardmembership. However, future balance transfers may incur a fee as disclosed at the time of the applicable transaction.

The Rewards Program Highlights
Optional Reward:	No
Points Per Dollar:	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.
	Points are redeemable for merchandise, entertainment, and New York City benefits.

Additional Highlights of Interest

Special Card Benefits and Features 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 Regarding This Offer Card is currently unavailable to residents of Puerto Rico. See website for complete terms and conditions of card usage and application disclosure.