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IN:NYC® Card 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: INSIDESM Reward Points
Late Fee: $19-$38
Overlimit Fee: $35.00
Returned Check Fee: $38.00
Issuer: American Express Co.
Fundamentals of the Card
Let us help you take advantage of all that New York has to offer
The IN:NYC® 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 NYC 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 Chicago, New York or Los Angeles.
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 services, Cable and satellite television service, Dial-up Internet service, 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--it's a quick way to get your next outing.
In addition, the IN:NYC Card also comes with many other on going benefits, such as Tuesdays IN:NYC, where you can save 10% when you use your IN:NYC Card at select retailers, spas and health clubs. Get the IN:NYC Card today. 1 2 3
Access Your Account Online
You can view up-to-date billing information online, including transactions, charges, and payments.
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: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.
Shopping with the Card
Fraud Protection Guarantee
Use the American Express Card online or off, and you won't be held responsible for any unauthorized charges. Period. No fine print, no deductible-just pure protection, so you can shop with confidence.
Return Protection
If you try to return a designated item within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the full purchase price, up to $300 per item, excluding shipping and handling and up to a maximum of $1,000 annually per Card Account, if you purchased it entirely with your eligible American Express Card 4
Buyer's Assurance Plan
With the Buyer's Assurance Plan, you can shop worry-free knowing that the terms of the original manufacturer's warranty will be matched up to one additional year, on warranties of five years or less that are eligible in the U.S. 5
Purchase Protection Plan
Shop with confidence and the Purchase Protection Plan, which protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase. 6
Traveling with the Card
Car Rental Loss and Damage Insurance
Relax and enjoy the ride when you use your eligible Card to reserve and pay for an auto rental! The Car Rental Loss and Damage Insurance Plan provides coverage for theft of or damage to most rental vehicles. Simply decline the collision damage waiver (CDW) or similar option offered by the Commercial Car Rental Company. This coverage is excess to your other sources of insurance. Coverage applies for the first 30 days of an auto rental if rented from a Car Rental Company. Just call 1-800-338-1670 for more information and eligibility requirements. 7
Emergency Card Replacement
Enjoy the security and convenience of access to Emergency Card Replacement services by calling 800-964-8542.
Global Assist® Hotline
Whenever you travel more than 100 miles from home, you have security and peace of mind 24/7 with medical, legal, financial or other emergency assistance, including medical and legal referrals, visa/passport help, cash access, lost luggage and more. 8
Travel Accident Insurance
Travel Accident Insurance provides up to $100,000 in accidental death and dismemberment insurance while traveling on a Common Carrier Conveyance (plane, train, ship, helicopter, or bus) when the entire fare has been charged to the Card. 9
1 Earn two (2) points in your INSIDE Rewards account for every eligible dollar spent on purchases at or for dining establishments, movie theatres, 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. Discount does not apply to sale or consignment items. 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 www.innyc.com/Tues for full listing of participating partners and offer details.
4 Coverage is subject to additional terms, conditions and exclusions
5 Buyer's Assurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 and is subject to change with notice. This document does not supplement or replace the Policy.
6 Purchase Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 and is subject to change with notice. This document does not supplement or replace the Policy.
7 Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AXO925 and is subject to change with notice. This document does not supplement or replace the Policy.
8 While the many Global Assist Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers.
9 Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, De Pere, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0948 and is subject to change with notice. This document does not supplement or replace the Policy.
See web site for complete terms & conditions
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