IN:NYC™ Card from American Express™

Earn one INSIDE(SM) Rewards point for virtually every eligible dollar you spend in New York City. Points have no expiration date and you can redeem points for rewards in New York. 0% APR for 6 months No Annual Fee CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 Months* As low as Prime + 3.99%* None* Yes* Good Credit*

Review: IN:NYC® from American Express®

Type of credit needed: Good Credit

Type of card: Point Rewards

Issued by: American Express™

Overview: The IN:NYC Card from American Express is a rewards card best suited for those who either live or spend a substantial amount of time in New York City. Like other rewards cards, individuals earn points on all qualifying purchases. The rewards program for this card gives additional points for specific types of purchases, including those related to gym memberships, Internet service, or cell phone service. Points earned can be used at hotels, restaurants, and airlines in New York City. In addition, on certain days of the week cardholders are offered discounts on select products and services provided by New York City establishments. Preferred access to popular locations like the Irving Plaza is another perk. This card has no annual fee, offers a low introductory APR, and provides standard American Express benefits like emergency card replacement and online account access.

Pro and cons of the card:

Pros:

• No annual free
• Low introductory APR
• Free to enroll in the rewards program
• High spending limits
• Earn points on all purchases
• Redeem points at a variety of NYC locations
• No limits on point earnings
• Points never expire
• Special discounts for cardholders on certain days of the week
• Priority access to popular NYC locations
• Standard American Express perks like emergency card replacement
• Online account services

Cons:

• Must live in NYC or go there frequently to get the most out of this card
• High interest rates on cash advances
• Cardholders cannot enroll in the Membership Rewards Program

Excellent Credit 750-850 Good Credit 660-749 Fair Credit 620-659 Bad/Poor Credit 350-619 No Credit 0-0 Do You Know Your Credit Score? Find Out Now!

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories: Payment History Amounts Owed Length of Credit History Type of Credit Used New Credit

Security Notice: All Applications utilize Secure SSL Technology for secure transmissions.

* See the online Americanexpress.com/getinnyc (www.americanexpress.com/getinnyc) credit card application for details about terms and conditions and offers.