Review of the American Express IN LA Card



The American Express IN LA Card was last reviewed on 29th October 2005.

Summary - The American Express IN LA Card is specifically designed for Los Angeles residents who would like to earn reward points which can be exchanged for gift vouchers to trendy restaurants, bars and theatres in the LA area. Read on....

Reward Formula - The American Express IN LA 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 Chicago. At present, the INSIDE Reward Program has 35 Dining (restaurant outlets) partners, 13 Drink partners and 11 Play (Theatres) partners.

Annual Fee and APR - There is no annual fee IN LA 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%. The IN LA 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 59 partners for the IN LA Card. The table below list them.

INSIDE LA Reward Dining Partners
Bella Cucina Ciudad Nick & Stef's Steakhouse Tengu
BLUE ON BLUE at Avalon Beverly Doice Patina The Lincoln
BOA Steakhouse (Santa Monica) Geisha House Pinot Bistro Venice Cantina
BOA Steakhouse (West Hollywood) Grace Pinot Provence WHIST at Viceroy Santa Monica
Border Grill Har's Bar & Grill Rockenwagner Zucca Ristorante
Brasserie Vert Hollywood and Vine Restaurant Spago
Cafe Pinot Katana Spanish Kitchen
Chaya Brasserie Kendall's Brasserie & Bar Sushi Roku (Hollywood)
Chaya Venice L'Orangerie Sushi Roku (Pasedena)
Chinois on Main Meson G Sushi Roku (Santa Monica)



INSIDE LA Reward Drink Partners
Avalon Hollywood El Centro The Belmont
Bar Nois at Maison 140 Beverly Hills Golden Gopher Cocktail Lounge Vine Street Lounge
Broadway Bar Lounge at Delfina WHISKEY BLUE
CAMEO BAR at Viceroy Santa Monica Nacional
Concorde Spider Club



INSIDE LA Reward Play Partners
Ahmanson Theatre Mark Taper Forum
Broadway.com Pasedena Playhouse
Gen Art The Knitting Factory
LA Galaxy at the Home Depot Center The Museum of Contemporary Arts
LA Kings at STAPLES Center The Roxy Theatre
LA Opera



Conclusion - The IN:LA from American Express will appeal to Los Angeles residents who frequent the trendy places (partners ) of the INSIDE LA reward program. If you live in LA, and visit the above places frequently enough and want to earn reward points which can be redeemed for vouchers, then this may be the right card for you.

Positives
  • 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 Chicago and New York



American Express IN LA 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



Find out more about the American Express IN LA

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