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Review of the IN: NYC® Card from American Express
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The IN: NYC Card from American Express was last reviewed on 3rd May 2008
Summary - The IN:NYC® Card from American Express is reward credit card designed for the New Yorker who would like to earn reward points and use them at places where he or she hangs out like restaurants, bars and theaters. Like all American Express cards, you can earn unlimited points which do not expire. Find out more....
Reward Formula - The American Express NYC Card is designed for those who live in New York City based on the INSIDE reward program. You earn 2 points for every dollar you spend on "NYC esentials" like like dining, movie tickets, cell phone, cable and internet services, gym and health club memberships and newspaper/magazine subscribtion. You earn 1 point for every dollar spent on other purchases. You can unlimited points which do not expire. You can redeem points for a variety of shopping and entertainment merchants in NYC. You will also transfer INSIDE points to friends and family members once your account is in good standing for 6 months. You will also get 6 months of Entertainment Weekly. At the end of the 6 months, you are automatically enrolled for further subscribtion at a discount rate (with the option to unsubscribe).
Fees - There is no annual annual fee for the American Express NYC Card. The APR is as low as Prime Rate plus 3.99% depending on your credit profile. There is a 0% APR offer for both purchases and balance transfers for 6 months.
Reward Program Partners - At present, INSIDE Rewards has 92 partners for the IN LA Card. The table below list them.
INSIDE NYC Reward Dining Partners
| 66 |
Dos Caminos |
Ocean grill |
| Asia de Cuba at Morgans |
Dos Caminos SoHo |
Ono at Hotel Gansevoort |
| Astra |
English Italian |
Park Ave Cafe |
| Atlantic Grill |
Fiamma Osteria |
Pure Food and Wine |
| Aureole |
Gyu-Kaku (NY) |
Rain |
| Avra |
Hudson Cafeteria |
Rock Center Cafe |
| Barca 18 |
Indochine |
Rosa Mexicano (1st Ave) |
| Blue Fin |
Isabella's |
Rosa Mexicano (Lincoln Center) |
| Blue Water Grill |
Jean Georges |
Rosa Mexicano (Union Square) |
| BONDST |
Jojo |
Ruby Foo's Time Square |
| Brasserie |
Kitchen 22 |
Ruby Foo's Uptown |
| Brasserie 8 1/2 |
Kitichai |
Rue 57 |
| Cafe Centro |
La Palapa Cocina Mexicana |
Smith & Wollensky |
| Calle Ocho |
Maloney & Porcelli |
Suba |
| Charlie Palmer's Metrazur |
Mercer Kitchen |
Sushi SAMBA 7 |
| China Grill |
Naples 45 |
Sushi SAMBA Park |
| Citre |
Nick & Stef's Steakhouse |
TAO |
| Django |
Nougatine at Jean Georges |
The Post House |
INSIDE NYC Reward Drink Partners
| Lotus |
Oasis |
Stone Rose |
| SUGARCANE lounge at SUSHISA |
THE LIVING ROOM |
THE WHISKEY |
| Thom Bar |
UNDERBAR |
WETBAR |
| WHISKEY BLUE |
WHISKEY PARK |
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INSIDE NYC Reward Play Partners
| AMC |
Irving Plaza |
| Brooklyn Academy of Music |
iTunes |
| Bikram Yoga (Flatiron) |
Jazz Standard |
| Bikram Yoga (Midtown) |
Lincoln Center |
| Bikram Yoga (Upper West Side) |
New York City Center |
| Broadway.com |
New York Knicks at Madison Square |
| Carolines on Broadway |
Oasis Day Spa (Affinia Dumont) |
| Gen Art |
Oasis Day Spa (Park Ave) |
| Great Jones Spa |
Scratch DJ Academy |
| Guggenheim Museum |
Symphony Space |
| Haven |
The Joyce Theater |
Verdict - The IN:NYC Card is a great reward card for a New Yorker. If you find that you visit the place which are partners of this program, then the IN:NYC® Card from American Express will allow you to earn reward points and use them at these places.
Positives
Earn unlimited PointsEarn double points
on "essential NYC purchases"Points do not expireNo annual fee
| IN: NYC® Card from American Express |
| Reward Benefits |
| Reward Formula |
Earn 2 INSIDE REWARD points for every dollar you spend on
city essentials like dining, movie tickets, cell phone, cable and internet services,
gym and health club memberships and newspaper/magazine subscribtion
Earn 1 point for
every dollar you spend on other purchases |
| Caps on Points |
Earn unlimited points |
| Point Expiry |
INSIDE Reward points do not expire |
| Credit Limits |
$1,000 to $100,000 |
| Travel and Insurance Benefits |
Up to $100,000 Travel Accident Insurance
Auto Rental Insurance
Emergency worldwide card replacement |
| Other Benefits |
24 hour customer service
Year-end account summary
Online fraud protection
Return Protection
Warranty extension |
| Cost/Fees/Interest rates |
| Introductory rate |
0% APR for 6 months (purchase and balance transfer for transfer on application) |
| Annual Fee |
No annual fee |
| Purchase APR |
As Low As Prime Rate plus 3.99% |
| Balance Transfer APR |
As Low As Prime Rate plus 3.99% |
| Cash Advance APR |
Prime Rate plus 14.99% |
| Penalty/Default Rate APR |
Prime Rate plus 21.99% |
| Min Finance Charge |
$0.50 |
| Grace Period |
20 days |
| Balance Calculation Method |
Average Daily Balance (including new purchases) |
| Balance Transfer Fee |
3%, min $5.00, max $50.00 |
| Convenience checks fee |
3%, min $5.00, max $50.00 |
| Cash Advance fee |
3% min $5.00 |
| Over-the-credit-limit fee |
$35.00 |
| Late Payment fee |
$15.00 - up to $100
$29 - $100 up to $1000
$35.00 - $1000 and greater |
Apply for the IN:NYC® Card from American Express
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