IN:LA® from American Express

Intro APR for Purchases: 0.00% (for 6 Months)
Ongoing APR: As low as Prime + 3.99% (Currently 8.99%)
Annual Fee: None
APR for Balance Transfers: 0.00% (for 6 Months)
Balance Transfer Fee: None if submitted with this application*
Cash Advance APR: Prime + 14.99% (Currently 19.99%)
Cash Advance Fee: 3% (minimum $5)
Grace Period: 20 Days
Reward Program: INSIDE^SM Reward Points
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Issuer: American Express Co.

  APPLY FOR THIS CARD!

The IN:LA Card comes with a rewards program that lets you eat, drink, and play at some of Los Angeles' top spots. The Card comes with the exceptional benefits and features you expect from American Express®. Plus, you can earn one INSIDE^SM Rewards point for every eligible dollar you spend, whether you're in Los Angeles or not, earn double INSIDE Rewards points when you use the Card for city essentials like dining, movie tickets, cell phone service, cable and internet service, gym memberships, and newspaper and magazine subscriptions, and redeem points for rewards to eat, drink, and play in Los Angeles, Chicago, and New York.

The IN:LA^SM Card from American Express® helps you take in more of the city you love. Just use it to buy the things you need, whether you're in Los Angeles or on the road, and you can earn INSIDE Rewards points that you can redeem for special dining, drinking, and entertainment rewards at some of the city's best spots. You even have the option of redeeming points for rewards in Los Angeles, Chicago, or New York.

• 0% APR on purchases and balance transfers for 6 months
  
• No Annual Fee
  
• Option to carry a balance
  
• Earn one INSIDE^SM Rewards point for virtually every eligible dollar you spend, whether you're in Los Angeles or not
  
• Earn double INSIDE Rewards points when you use the Card for city essentials like dining, movie tickets, cell phone service, cable and internet service, gym memberships, and newspaper and magazine subscriptions Redeem points for rewards to eat, drink, and play in Los Angeles, Chicago, and New York
  
• 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 Los Angeles, Chicago, and New York
  

Fundamentals of the Card

Pay with the Card. Play with the Card.
You can earn one INSIDE Rewards point for every eligible dollar you spend anywhere American Express® Cards are accepted-and double INSIDE Rewards points on city essentials like dining, movie theatre purchases, cell phone service, cable and satellite tv, gym memberships, and newspaper and magazine subscriptions. Points have no expiration date and there's no limit to the number of points you can earn. Plus, you can share rewards with friends or family by transferring points into one INSIDE Rewards account-for an even quicker way to get your next outing.^{1 2}

Enjoy more of what LA has to offer.
The IN:LA Card also comes with special ongoing benefits, such as Tuesdays IN:LA, where you can save 10% when you use your IN:LA Card at select retailers, spas and health clubs. The Card can even help you save on memberships at museums and tickets to clubs, concerts, and more.³

Access Your Account Online
You can view up-to-date billing information-including recent transactions, charges, and payments-24 hours a day. All online. You can even pay your bill or transfer a balance.

Identity Theft Assistance
Should you suspect that somebody is using your identity online or in shops, American Express® has representatives on call when you need them- 24/7 to help determine if you are a victim of identity theft; recommend steps for recovery; and offer tips on how to protect yourself in the future. Call the toll-free hotline at 800-297-7672 or visit us at www.americanexpress.com/idtheftassistance for more information.

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

Your Year End Summary: Now Available Online
You now have 24-hour access to your account information for an entire year. You can organize your expenses and sort by date, merchant name, or charge amount. Then download the summary and print it out for your records. You can 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® can help you around the clock with world-class customer service. Whether you have a question about your statement or you need immediate help with a lost Card, someone will always be there to help. For immediate service, call the phone number on the back of your Card.

SUMMARY OF THE ACCOUNT PROTECTOR^SM PROGRAM FROM AMERICAN EXPRESS
The Account Protector program is an optional feature and is not required to obtain credit. For a monthly fee of 85¢ per $100 of your month end account balance, some or all of your account balance will be cancelled if you experience one of the qualifying events while enrolled. If you become involuntarily unemployed, hospitalized, disabled, take a covered leave of absence, or experience one of the covered life events (marriage, purchase of new home, relocation of more than 150 miles, starting college, divorce, birth or adoption of child(ren), death of spouse, or call to active military duty), we will cancel your minimum monthly payment as of the date of the event up to 24 months depending on the type and length of the qualifying event. You remain responsible for making payments when due on your account, including accumulated finance charges and fees, when the debt cancellation period ends. If you should die, your account balance up to $10,000 as of the date of death will be cancelled. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under the Account Protector program. You may find a complete explanation of the eligibility requirements, conditions, and exclusions in sections 1-7 of the Account Protector Terms and Conditions which will be mailed to you upon enrollment. Not available in all states. The Account Protector program may be cancelled by you or us at any time. You have 30 days from enrolling to cancel without cost by writing to P.O. Box 25183, Santa Ana, CA 92799-9503. This summary of the Account Protector program is subject to the Account Protector Terms and Conditions, which you agree to be bound by if you enroll.

¹ Earn two (2) points in your INSIDE Rewards account for every eligible dollar spent on purchases at or for dining establishments, movie theaters, cell phone service, cable and satellite television service, dial-up internet service, gym memberships and magazine and newspaper subscriptions in the U.S. Earn one (1) point for virtually all other purchases. The receipt of points in your INSIDE Rewards account is subject to the INSIDE Rewards terms and conditions.

² INSIDE Rewards accounts in good standing for six (6) months may transfer points to another Cardmember's eligible INSIDE Rewards account. A minimum of 1,000 points per transfer transaction.

³ Offer applies to participating stores only and does not apply to purchases made online. The offer does not apply in the month of December and cannot be combined with other savings or promotions. Fulfillment of this offer is the sole responsibility of the merchant. Restrictions may apply at the discretion of the participating merchant.

See web site for complete terms & conditions