IN:LA 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: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 very 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. Most Attractive Feature: Double points earned on city essentials; additional LA benefits and services for cardholders; no annual fee; very low APR for purchases. Least Attractive Feature: Higher APR for less qualifying applicants. Apply Now For IN:LA 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:	n/a (Maximum)
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 for Express Cash transactions
Balance Transfers:	There is no balance transfer fee associated with this offer. 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:	Two points earned for every dollar spent on newspaper and magazine subscriptions, movies, cell phone services, dial-up ISP and cable subscriptions, dining, and gym memberships.
	Points are redeemable for merchandise, entertainment, and other rewards in Los Angeles, Chicago, or New York City.

Additional Highlights of Interest

Special Card Benefits and Features 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 Regarding This Offer The APR for purchases and balance transfers varies according to the applicant\'s credit history and will be 3.99%, 5.99%, 8.99% or 10.99% + Prime Rate. Card is currently unavailable to residents of Puerto Rico. See website for complete terms and conditions of card usage and application disclosure.