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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

Investing in a home of your own is a sound decision and can turn out to be your most valuable asset. It creates equity on your home, which gradually increases as payments are made against the mortgage. For example, if you have a loan of $200000 against your home, and in course of time the balance on the mortgage stands at $140000, the equity on the home is $60000.This will keep growing as continued payments are made against the mortgage. This equity can then be used as collateral for getting a home equity loan.

When money is required for special needs like education, to pay off debts, or for home improvement, a home equity loan might be an excellent way to cover the costs involved. However, it is generally best when you know exactly how much it is going to cost you. It can help you by providing capital in the form of a loan against the accrued value of your equity in your home while allowing you several years to pay it off. The period of repayment can be from 5 to 30 years, though usually it is for 15 years.

On the other hand, Home Equity Lines of Credit may be a better option for taking advantage of your home equity for short-term borrowing. This allows access to funds as and when needed, without the necessity of borrowing anything extra. It suits anyone requiring a large sum of money to take care of some immediate expense, like repairs to plumbing in the house, or some other expensive eventuality. You may need the money urgently, if you have the means to pay it off in a shorter period it will allow you access to further credit in the future, if required. However, it should be understood that Home Equity Lines Of Credit are usually close ended, which allow you to use the credit limit for just about 10 years. After which, any debt in the account is amortized and treated like a term debt, which then ends up as regular repayments of principal and interest to retire the debt.

The approval for lending is usually easy as the lender has collateral to cover the loan amount. Moreover, the value of the collateral keeps increasing with the efflux of time. Even then, a bad credit rating would have a negative impact upon the approval of the loan application. A good credit rating, in contrast, would allow qualification for a low rate home equity loan that can give you substantial saving over the life of the loan. Therefore, one of the things lenders look into, and rely heavily upon, is the credit history of the borrower, to determine the appropriate rate of interest.

The most important decision for the borrower in the whole process of getting a loan would be the selection of the best lender. Various lenders have different terms, and a careful selection of a lender who has terms that offer a low fee, low interest rates, along with other incentives, would help save thousands of dollars. Contacting various traditional banks, credit card unions and online companies would be a great way to start. You could also use the Internet to search for information about various home equity lenders available.

Once you’ve selected a few home equity lenders, it is advisable getting at least three different quotes, which would allow you to compare the different terms and conditions, interest rates and fees each one has on offer. Choosing the best one that suits your needs then becomes pretty straightforward.

So go ahead, explore the possibilities offered by obtaining a Home Equity Loan to take care of your money supply needs.

Happy hunting!


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


  • Most people are used to making personal purchases with a credit card. It can help with money management and is useful for situations where you haven't got quite enough cash in hand. These are some of the same reasons why business owners should consider having credit cards for their businesses.

    A business credit card can speed up the process of doing business. This applies to both online and offline transactions. It's a good way of paying for company purchases or making payments quickly.

    Why Have A Business Credit Card?

    Business credit card deals may be better than those available for personal credit cards. For example, there may be lower annual percentage rates (APRs), waiver of annual fees, higher credit limits and other incentives. Business credit cards also offer the same incentives as personal credit cards, such as balance transfer deals and 0% interest periods. And if you don't like the deal offered, it's always possible to negotiate.

    Expense Tracking

    Business credit cards are a good way of tracking expenses. This applies to both company expenses and the expenses incurred by employees on the company's behalf. They are also a good way of improving cash flow as business owners can pay for something today and have a grace period of up to 56 days before having to settle the bill.

    Help For Employees

    Employees can use business credit cards when travelling on company business to pay for flights and other travel, accommodation, eating out and entertaining. This means employees don't have to worry about finding money and being reimbursed. It also means that businesses can keep track of company expenses through itemised credit card statements. Businesses usually get a monthly statement where all such transactions are listed.

    Choosing A Business Credit Card

    When choosing a business credit card, it is best to pay attention to:

    - The APR
    - The credit limit
    - The grace period
    - Repayment options
    - Annual fees
    - Application fees
    - Cash withdrawal fees

    Since companies get monthly statements, they have to spend less time on administration. There's no longer any need to work out and check employees' expense claims, though some businesses may prefer to have that process as a backup.

    Other Business Card Options

    Business owners can also choose to have a business debit card. This means they can only spend what is in the business account. Another option is a business charge card. There is usually an annual fee for this and the balance has to be settled in full each month. Neither of these options is as flexible as a business credit card.

    Some small businesses may start by financing their business with a personal credit card. However, this makes it more difficult to separate personal and business expenses. In addition, you will be personally liable for any spending on the personal credit card. A better option is to get a business bank loan or overdraft. This will offer better interest rates and will not endanger personal finances.

  • 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.