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Home > > American Express IN New York City

American Express IN New York City

0% Introductory APR for 6 months on purchases and balance transfers
No annual fee
Option to carry a balance
Earn double INSIDE(SM) Rewards points on city essentials like dining, cell phone service, gym memberships, and more
Plus INSIDE(SM) Double points on City Essentials
Points have no expiration date, there's no limit to the number of points you can earn, and you can redeem points for rewards in Chicago, New York and Los Angeles.

Get the Card that lets you eat, drink, and play at New York City’s most fashionable spots. The IN:NYC Card comes with INSIDESM Rewards -- the program that lets you earn dining and entertainment experiences, in addition to the benefits and services you’ve come to expect from American Express.

Highlights of the IN:NYC Card

0% Intro Rate for 6 Months on Purchases and Balance Transfers
No Annual Fee
Option to carry a balance
Earn INSIDE Rewards that allow you to earn points to eat, drink, and play at New York hotspots
One INSIDE Rewards Point for every dollar spent
Two INSIDE Rewards Points for every dollar spent on things you already do today in 8 different categories

Let us help you take advantage of all that New York has to offer
As an IN:NYCSM Cardmember, you have the Card that gives you the essential gear for better city living. Enjoy unique tasting menus at Mercer Kitchen or Tao, VIP treatment at the Gen Art Fashion Show, or be a Guest DJ at THE WHISKEY. These are only a few of the rewards that are offered by over 70 IN:NYC partners.

With the IN:NYC Card, you'll earn 1 INSIDE Rewards Point for every dollar spent just by using your Card. Plus, as an added bonus, you'll always receive 2 INSIDE Rewards points for every dollar spent on Dining, Movies, Cell Phone, Cable and Dial-up ISP subscriptions, Newspaper & Magazine subscriptions, and Gym Memberships...all the things you already do today. Rewards start as low as 2,000 points and there is no expiration date or limit to how many points you can earn. You can even share points with friends or family by transferring points to another IN:NYC Cardmember account.

In addition, the IN:NYC Card also comes with many other on going benefits, such as the Tuesdays IN:NYC program. Just use your card at select participating merchants, such as Nickel, Oasis Day Spa, Zabar's, Jean Paul Gaultier, and J&R Music Computer World, on any Tuesday and get 10% off your purchase. The IN:NYC Card also provides you with Priority access to venues such as Irving Plaza and membership discounts at the Guggenheim Museum. Get the IN:NYC Card today.

Access Your Account Online
You can view up-to-date billing information online, including transactions, charges, and payments.

Identity Theft Assistance
If you suspect you are a victim of identity theft, know that Identity Theft Assistance, free from American Express, will be there to help. Our experienced counselors are on call 24 hours a day to help you navigate the recovery process; offer tips on how to protect yourself in the future; as well as provide a comprehensive package designed to further assist you in re-establishing your good credit.

Transfer Balances
Transferring balances from higher-rate credit cards, department store cards, and loans to your IN:NYC Card can help you save money on interest, reduce your monthly payments, and make one convenient payment.

Your Year End Summary: Now Available Online
Your new Online Year End Summary of Charges gives you access to important information 24 hours a day, seven days a week. Flexible features make organizing your expenses a snap - download the Summary and print it out; sort by date, merchant name, or charge amount; review charges made within a category, such as Travel and Restaurant. Your Year End Summary is an indispensable tool for preparing taxes and budgeting. You may also receive a paper Year End Summary in the mail by calling the number on the back of your Card.

Dedicated Customer Service
American Express is here to help you around the clock, with the kind of Customer Service that keeps Cardmembers loyal for a lifetime. For immediate service, call the phone number on the back of your Card.
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DID YOU KNOW?

The first time I heard the term FICO, I had no idea of it's meaning. Simply put, it's your credit score. A California-based company called Fair Isaac Corporation first developed FICO. FICO scores place a value on the types of accounts you hold and your credit history. The FICO scoring scale ranges from 300 to 850. The majority of people in the United States have FICO scores over 600.

There are several factors that determine your FICO credit score. First, your payment history—this counts for a whooping 35%--the most of any other factor. If you pay your bills on time, you are scored as great, but if you pay your bills late on a consistent basis you are scored as bad. And if you are referred to a collection agency, this is even worse, and if you declare bankruptcy, this the worst rating of all.

The second factor taken into consideration for your FICO score is exactly how much money you owe, as well as the amount of credit that is currently available to you. They will add up all of your outstanding loans, such as car loans, mortgages, and even school loans and then compare that number to your annual salary. Then, they will add up the amount of credit available to you, and compare it to what you’re currently using. People that use all of their available credit (for example, if all of your credit cards are maxed out) will rate lower than those who don’t. These factors are worth 30%.

The third factor is how long is your credit history. The longer you have had credit, the higher your FICO score will be. In addition, if you’ve had a long-standing credit agreement with one party, you’ll do even better on this aspect of the scoring process. This third factor counts as 15% toward you final score.

The fourth factor taken into consideration is the type of credit mix that you have. For example, do you have only unsecured credit loans (high risk), or do you also have some solid secured loans such as mortgages and automobile loans? People with a good mix of credit have higher FICO scores. This fourth factor counts only 10%.

The last factor in the rating is the amount of new loan or credit card applications that you have filled out. If you have filled out a lot recently, this will hurt your score because it puts lenders “on alert” that something may be wrong. This part of the score is worth 10%.

Lenders will typically look at employment, income, length at current residence, and marital status, but your FICO score will not be affected by these factors. Having a bad FICO score should scare anyone who plans on borrowing money for the future. If you do have a low FICO score, this could mean high interest rates, extra mortgage insurance when buying a home, or in some cases denial of the loan.

It’s a good bad idea to get a copy of your credit report 6-12 months before applying for a large loan, so you can look over your history to make sure that there are no discrepancies. If you do find inaccuracies, contact the Credit Reporting Agency in writing; they have 30 days to investigate it, and then correct it if they find truth to your claims. You should also ask for a revised credit report; they are required by law to supply you with one if an inaccuracy is found and corrected.

A bad credit bill consolidation loan may be one of the best options available if you have bad credit and a lot of debt. A bad credit rating can be fixed, but it is much harder if you still have outstanding debts.

The best way to improve your credit rating is to pay off the outstanding debts and start fresh while repaying a bad credit bill consolidation loan.

At one time if you had a bad credit rating getting a new loan was nearly impossible. Today, more and more financial institutions are taking advantage of the debtors market, and the need for people to repair their credit ratings.

This increases their own markets by offering bad credit bill consolidation loans if you have the means to repay it. A bad credit history loan means that you can pay off your existing debts with the loan, and improve your credit rating by keeping your payments up-to-date.

By the time this bad credit history loan is paid off, you will be debt-free, as well as on your way to having a sound credit rating. If you are able to secure a bad credit consolidation loan, it shortcuts the process of you getting back to a healthy credit rating.

A bad credit rating reflects in many aspects of your normal life. Not only will future loans be difficult to attain, but also future employers may be informed of your credit score.

Creditors may even request that any insurance policies or investment holdings be cashed in to repay the debts you owe them which will leave you without a financial safety net in the future.

The longer you have the debts, the more interest you will accrue to the outstanding balance and the longer it will take to repay the debt.

The main disadvantage of a bad credit consolidation loan is that while you take the stress out of having many creditors demand money, the loan you are granted is usually at a high bad credit interest rate.

You will pay a much higher rate of interest than you would if this was a normal debt consolidation loan by someone with a good credit rating. Because of the high bad credit loan refinance rate the total amount you pay will be well in excess of the initial amount borrowed.

But if you are put in a position of choosing this, or bankruptcy, and can afford to pay the repayment schedule on time, the bad credit bill consolidation loan is a much better choice.

It allows you to repair your credit rating and eventually pay off your debts. The extra interest you pay will be much less than the effects of bankruptcy. A bad credit bill consolidation loan is a far better long term solution.

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INTRO PERIOD

American Express IN New York City

Highlights of the IN:NYC Card