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| Review |
The IN:CHICAGO® Card from American Express is designed for those with good credit who live in or frequently visit Chicago and plan to take advantage of the various benefits and services that are in Chicago.
In reference to the reward program, one INSIDE Rewards point is earned for every dollar spent on general purchases. Double points are awarded for every dollar spent on "City Essentials", which include newspaper and magazine subscriptions, movies, dining, cell phone services, cable and dial-up ISP subscriptions, and gym memberships. Points can be redeemed for benefits and experiences based in Chicago, New York, and Los Angeles, such as free hotel stays, dining, and airline travel. An added benefit is that points never expire and have no yearly limit.
Perhaps what is most impressive about the program is the Tuesdays IN:CHICAGO feature. Cardholders can use the card at participating merchants on any Tuesday and get 10% off, including select retailers, spas, and health clubs. The IN:CHICAGO Card also provides cardholders with priority access to venues such as clubs, concerts, and more.
Aside from the reward program, this card offers a variety of standard benefits that include travel accident insurance, auto rental insurance, and various fraud protection services with each usage (see website for all benefits available).
The interest rate for purchases is considered very low (for a reward card), and there is no annual fee. There is also a 0% introductory rate for purchases and balance transfers for the first six months.
Therefore, those who can afford to pay in full each month after the introductory rate expires (to avoid finance charges), frequently stay or live in Chicago (to earn additional points), and can accumulate enough points for dining and entertainment experiences will benefit most from what the IN:CHICAGO® Card from American Express has to offer. |
Updated:
2008-04-24 00:00:00 |
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Note:
The review on this card was updated on April 24, 2008. The review is believed to be accurate during the
update, however, information posted may have changed since the
update. We strongly suggest that you carefully read the Terms
and Conditions statement that accompanies the credit card application. |
| Specifics |
| Not
sure what something means? Simply click on the category name for
a pop-up definition! |
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| Card
Category: Reward - Retail |
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Reward
Program Details |
Expiration :None
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Yearly
Limit : None |
Points per Dollar Spent
: 1 Point |
Point Details
: Points are redeemable for merchandise, entertainment, and other rewards in Chicago, New York, and Los Angeles. |
Additional Points
: Two points earned for every dollar spent on newspaper and magazine subscriptions, movies, cell phone services, dial-up ISP and cable subscriptions, dining, and gym memberships. |
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Perks
/ Notations |
Additional
Perks |
Various Internet account related services.
Fraud and security protection services.
Year-end financial statement.
Extended warranty for purchases.
No liability for unauthorized Internet transactions.
Purchase protection.
Guaranteed hotel and motel reservations.
Emergency card replacement.
Emergency cash replacement.
Auto rental insurance.
Medical referral services.
Legal referral services.
Lost luggage service.
Up to $100,000 in travel accident insurance.
Various travel and emergency assistance services.
Free access to the INSIDE Rewards program.
See website for additional benefits.
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Important
Notations |
The APR for purchases and balance transfers varies according to the applicant\'s credit history and will be 3.99%, 5.99%, 8.99% or 10.99% + Prime Rate.
Card is currently unavailable to residents of Puerto Rico.
See website for complete terms and conditions of card usage and application disclosure.
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