Review of the American Express NYC Card



The American Express NYC Card was last reviewed on 6th July 2006



american express nyc card
Summary - The American Express NYC Card 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 ranges from a low Prime Rate plus 3.99% to 11.99% 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 LA 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 LA Reward Drink Partners
Lotus Oasis Stone Rose
SUGARCANE lounge at SUSHISA THE LIVING ROOM THE WHISKEY
Thom Bar UNDERBAR WETBAR
WHISKEY BLUE WHISKEY PARK



INSIDE LA 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® from American Express will allow you to earn reward points and use them at these places.

Positives
  • Earn unlimited Points
  • Earn double points on "essential NYC purchases"
  • Points do not expire
  • No annual fee



American Express NYC Card for Business
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 Prime Rate plus 3.99%, 5.99%, 7.99%, 9.99% or 11.99% depending on creditworthiness
Balance Transfer APR Prime Rate plus 3.99%, 5.99%, 7.99%, 9.99% or 11.99% depending on creditworthiness
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® from American Express




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