The IN: LA Card from American Express is one such card which is ideal for someone with excellent credit and who either lives in or frequents Los Angeles.

The Main Features Of The IN: LA Card

The IN: LA Card American Express allows its holders to avail of the various benefits and services in the city. It has all the common features of any American Express credit card like purchase protection, zero annual fees and a host of special benefits and offers. However, unlike the traditional credit card, it allows the holder to carry balance.

The introductory Annual Percentage Rate (APR) for purchases is 0%, which is valid for 6 months. This introductory rate is applicable to balance transfers submitted during the application period as well. After the introductory period, the regular APR climbs to 12.24%. There is no annual fee. There is an excellent system of rewards in the form of points for the cardholder.

The Reward Points

The holder earns one INSIDESM Reward-point for every dollar that is spent on purchases with the card (the cards are accepted wherever American Express cards are accepted). 2 INSIDE Rewards points are awarded to the cardholder for every dollar spent on essentials like newspapers, magazines, movie theatres, dining, cell phone services, cable and dial-up ISP subscription and gym memberships. The reward points never expire and there is no limit on the number of points that can be earned.

Redeeming The Reward Points

These INSIDE reward points can be redeemed at over 60 merchants within Los Angeles. These points are redeemed for dining, drinking, entertainment services in Los Angeles, Chicago and New York. They can also be redeemed for services like free hotel stays, meals and airline travel. You can share these reward points with family and friends by transferring points into one INSIDE rewards account. Many Merchants within Los Angeles allow the holders to buy gift certificates using the points.

Other Benefits

The other benefits include advantages like viewing your recent billing information as well as paying your bills online. You can even access your account information for the entire year. If identity theft is suspected, the card provides a fee-free service enabling you to protect yourself.

The card gives you the option of transferring balances from high rate credit cards and loans to your IN: LA Card American Express. This means that you can make great savings on interest. It will be a great advantage if you make all payments through one card.

Standard benefits typical of American Express, like travel accident insurance, auto rental insurance and fraud protection are also offered to the cardholders.

Exclusive Benefits

The most striking aspect of this reward card is the Tuesdays IN: CHICAGO program wherein the card can be used at participating select retailers, spas, and health clubs on Tuesdays to avail of a 10% discount on the purchases. The card grants cardholders access to some of LAs most happening clubs, and VIP rooms, even allowing the save on memberships at museums and tickets to clubs and concerts.

The IN: LA Card American Express equips consumers (of course, the ones who are capable of paying in full each month after the introductory rate expires) with a great means to make the most of their LA connection.