Review of the American Express IN Chicago Card

The American Express IN Chicago Card was last reviewed on 27th October 2005.

Summary - The American Express IN Chicago Card is designed specifically for residents of Chicago who would like to earn reward points that can be redeemed on dining, drinking and entertainment rewards. You can earn unlimited reward points, which can also be redeemed in New York and San Francisco. INSIDE reward points do not expire. Let us look at this card in greater detail.

Reward Formula - The American Express IN Chicago allows you to earn one INSIDE (SM) reward point for every dollar you spend. You earn double points when you spend on city essentials like dining, movie tickets, cell phone service, cable and internet service, gym memberships, and newspaper and magazine subscriptions. You can earn unlimited points, which do not expire. These reward points can also be redeemed for items in two other cities, New York and L.A. At present, the INSIDE Reward Program has 35 Dining (restaurant outlets) partners, 15 Drink partners and 10 Play (Theatres) partners. .

Annual Fee and APR - There is no annual fee for the American Express IN Chicago Card. The apr varies depending on your credit. You could an apr of either prime rate plus 3.99%, 5.99%, 8.99%, 10.99% or 11.99%. Like all American Express cards, the IN Chicago Card uses the average daily balance methdd (including new purchases) to calculate monthly balances. You get an introductory 0% apr on both purchases and balance transfers for 6 months. You do not pay any balance transfer fee for this offer.

Reward Program Partners - At present, INSIDE Rewards has 60 partners for the IN Chicago Card. The table below list them.

INSIDE Reward Dining Partners
BIN 36 Chicago Fulton's on the River Marche Spiaggia
bin wine cafe Gioco Mia Francesca Spring
Bistro 110 Green Zebra mk Restaurant SUSHISAMBA rio
Blue Water Grill Japonais one sixtyblue Tuscany on Taylor
Cafe Spagia Kamehachi (Northbrook) Opera Tuscany Wrigleyville
Club Lucky Kamehachi (Old Town) Phil Stefani's 437 Rush
Custom House Kamehachi (Streeterville) Red Light
Francesca's Bryn Mawr Keefer's Restaurant Rise Sushi & Sake Lounge
Francesca's Forno Le Colonial Riva
Francesca's on Taylor Le Lan Salpicon

INSIDE Reward Drink Partners
Bungalow Loungebar Le Passage Vision
Crobar Sound-Bar WHISKEY BLUE
Excalibur The Apartment WHISKEY SKY
Fulton Lounge The Leg Room Y Bar
Le Bar at Sofiel Water Tower THE WHISKEY BAR & GRILL Zentra Nightclub

INSIDE Reward Play Partners
Auditorium Theatre of Roosevelt MCA (Museum of Contemporary)
Beat Kitchen Metro/Smart Bar Steppenwolf Theatre Company
Gen Art Subterranean
Goodman Theatre The Second City

Conclusion - The American Express IN Chicago Card will appeal to those living in Chicago who hang out at trendy places. Scan through their reward partners above and if you find that you are visiting these places quite a lot, then the IN:Chicago from American Express may be the right reward credit card for you. Like all American Express reward programs, you can earn unlimited INSIDE rewards, whose points do not expire.

  • Earn unlimited INSIDE Reward Points
  • INSIDE Reward Points do not expire
  • Earn double points for Citiy essentials
  • No annual fee
  • 0% apr on balance transfers for six months
  • Rewards can be redeemed for other INSIDE rewards based in LA and New York

American Express IN Chicago Card
Reward Benefits
Point Accumulation Earn 1 Award Dollar for every dollar you spend
Earn 2 Award Dollars for every dollar you spend City Essentials.
Caps on Award Dollars Earn unlimited INSIDE rewards points
Points Expiration INSIDE Rewards do not expire
Cost/Fees/Interest rates
Introductory rate 0% apr for six months for both purchases and balance transfers
Annual Fee No annual fee
Purchase APR Prime Rate plus 3.99%, 5.99%, 8.99%, 10.99% or 11.99%
Balance Transfer APR Prime Rate plus 3.99%, 5.99%, 8.99%, 10.99% or 11.99%
Cash Advance APR Prime Rate plus 14.99%
Penalty/Default Rate APR Prime Rate plus 12.99% or 21.99%
Min Finance Charge $0.50
Grace Period 20 days
Balance Calculation Method Average Daily Balance (including new purchases)
Balance Transfer Fee No balance transfer fee during introductory offer
Cash Advance fee 3%, min $5.00
Over-the-credit-limit fee $35.00
Late Payment fee $15.00 - less than $100
$29.00 - between $100.00 to $1000.00
$35.00 - greater than $1000.00

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