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Balance Transfer to American Express IN New York City American Express® IN New York City


American Express IN New York City
Intro APR: 0%

 Issuer: American Express
Get the Card that lets you eat, drink, and play at New York City’s most fashionable spots. The IN:NYC Card comes with INSIDESM Rewards -- the program that lets you earn dining and entertainment experiences, in addition to the benefits and services you’ve come to expect from American Express.

Highlights of the IN:NYC Card

  • 0% Intro Rate for 6 Months on Purchases and Balance Transfers
  • No Annual Fee
  • Option to carry a balance
  • Earn INSIDE Rewards that allow you to earn points to eat, drink, and play at New York hotspots
  • One INSIDE Rewards Point for every dollar spent
  • Two INSIDE Rewards Points for every dollar spent on things you already do today in 8 different categories
Let us help you take advantage of all that New York has to offer
As an IN:NYCSM Cardmember, you have the Card that gives you the essential gear for better city living. Enjoy unique tasting menus at Mercer Kitchen or Tao, VIP treatment at the Gen Art Fashion Show, or be a Guest DJ at THE WHISKEY. These are only a few of the rewards that are offered by over 70 IN:NYC partners.

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, Cable and Dial-up ISP subscriptions, 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.

In addition, the IN:NYC Card also comes with many other on going benefits, such as the Tuesdays IN:NYC program. Just use your card at select participating merchants, such as Nickel, Oasis Day Spa, Zabar's, Jean Paul Gaultier, and J&R Music Computer World, on any Tuesday and get 10% off your purchase. The IN:NYC Card also provides you with Priority access to venues such as Irving Plaza and membership discounts at the Guggenheim Museum. Get the IN:NYC Card today.

Access Your Account Online
You can view up-to-date billing information online, including transactions, charges, and payments.

Identity Theft Assistance
If you suspect you are a victim of identity theft, know that Identity Theft Assistance, free from American Express, will be there to help. Our experienced counselors are on call 24 hours a day to help you navigate the recovery process; offer tips on how to protect yourself in the future; as well as provide a comprehensive package designed to further assist you in re-establishing your good credit.

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.





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Apply for American Express® IN New York City

Low, as low as zero, interest on a credit card sounds attractive. Who wouldn't want to borrow money and pay it back at leisure with no 'penalty'? But what sounds like honey can often be laced with bee droppings.

For those with excellent credit it is indeed possible to obtain a card with a comparatively low interest rate. Rates as low as 5% are still possible, though likely not for long. (9%-15% is more common, which is still good for credit card debt.)

For those with less than stellar credit, a low interest rate offer is more likely going to be one with hidden clauses.

Look for caps on amounts charged or transferred. Some offers allow the low rate only on transferred amounts. Other contracts specify limited periods. (6-12 months is common, 15 months is possible.) After that time, the low interest rate automatically switches to the normal APR on any remaining balance.

What is an APR? And what constitutes 'excellent' credit?

APR is an acronym for Annual Percentage Rate. Suppose you charge $100 and the APR is 12%. Does that mean you pay $12 in interest for the year? Probably not. The APR is divided up into a monthly rate, 1% per month, and applied EACH month to ANY outstanding balance.

How good your credit is depends heavily on your FICO score. (FICO is a number calculated by a secret algorithm that takes into account total outstanding debt, number and length of late payments, and other factors.) That number, along with an analysis of your credit report, containing age, length of credit history, kinds of debt, etc, determines how the card issuers view your credit worthiness.

For those who pass the 'good credit' filter, there are multiple criteria to consider.

Do you pay off your entire balance due when the bill arrives? If so, the APR is irrelevant since companies almost always forego applying any interest at all. (Note: They're not required to. Technically, interest charges begin from the date of purchase, not when the statement is created.)

Do you use the card to make large amount purchases, or accumulate large balances in one month? If not, the difference between a low interest rate and the normal APR is usually insignificant.

Most low interest cards have 'fine print' limitations. These include limited time periods, after which the APR increases, caps on credit amount, etc. One low interest card type, the 'balance transfer', often limits the rate to the amount transferred. Interest on any new charges are calculated at the normal rate.

Also, keep in mind that cards actually have more than one APR. One rate applies to normal purchases, another to cash advances, etc. Read the contract carefully.

For those tempted to accept the low or zero interest offer, intending later to switch to another when the offer expires, a word of caution. Switching cards frequently can harm your FICO.

Every time you apply, a credit report is created and analyzed. Your FICO is partly dependent on the number of those credit checks performed. Also, your score is influenced by the length you have held a particular card. Many cards acquired in a short period is a red flag.

For those with genuinely good credit (680 or higher, in conjunction with other factors) a low interest card is a deserved reward for responsible behavior. Most are free of annual charges. And, if you maintain a monthly balance on a substantial amount, these cards can save you a significant sum.


  • Transfer your balance to American Express® IN New York City

  • You have decided that you need a new credit card and you already know that you want a low APR credit card. You have made a good choice, but you probably also know that there are quite a variety of cards available with that option. Here are some tips that will help you make the choice is best for you.

    Choose As Low Of An APR As You Can Get

    If you have a tendency to allow a balance to remain on the credit card, then you will need to acquire as low of an APR as you can get in a card. This feature alone can save you a lot of money over the life of the card - but will not save you nearly as much if you simply paid it off each month. Low APR credit cards will usually have an introductory offer of either 0% APR for up to 15 months, or, a very low APR for the life of the card.

    Look For Balance Transfes Time Limits

    In addition to the low APR, try to find a card that will give you 0% interest on balance transfers as well. As you look the various cards over, though, note that the time length on this option may not be the same as for the 0% APR. Some of these credit cards may only give you the benefit of a 3 month balance transfer period at 0% interest, but may give you up to 15 months 0% APR on your purchases, or vice versa. So, if you want to take advantage of both options, read the fine print carefully.

    Another thing about balance transfers is that some companies definitely will limit the time as to when you can actually make the transfers. Some will only permit you to make a transfer to your new low APR credit card at the time you apply for the card with all details of what you are planning to transfer on the application itself. Other credit card companies will allow for balance transfers to made over the introductory time period, not making such a restriction.

    Consider Your Own Needs

    Part of getting the best deal on a low interest credit card depends on how you normally will use it. If you regularly pay off the monthly balance, then the interest rate is not that much of a concern. You will want to focus rather on the other benefits that are available. Here are some of the options that are more commonly offered.

    •Travel Benefits

    If you are a frequent traveler, then there are two ways you might be able to benefit. If you normally travel by air, then you will want to be able to get air miles benefits on your low APR credit card. These often come with bonus miles, some as high as 25,000, just for signing up and making your first purchase. Some card offers will give you the choice of using those miles to go toward your hotel room, meals, or other options. Other benefits include free gas rebates, a rebate toward the purchase of another car, and rewards if you travel by car.

    •Cash Back Or Rewards

    Some of the low APR credit cards currently available will provide a system where you can get a refund of a percentage of your purchases. These rewards allow you to get as much as a 5% reward for various types of purchases. The highest percentage cash back is typically for your purchases at the food, gas, and pharmacy stores. Most cards will offer a 1% up to 3% reward on all other purchases.

    Another thing you need to look for is whether or not there are any annual fees. These vary from card to card but could go as high as $150 or more. If you do carry a balance on your credit card, this kind of fee could render the other potential benefits almost meaningless.


  • Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews
  • Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.