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Credit Card Rewards Wizard: Discover the Best Credit Card Reward Deals

Note: The default US Consumer Monthly Expenditure Amount refer to Consumer Expenditure Survey (CE) program

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Total you spend per month:	$	Gas Stations:	$
Restaurants:	$	Supermarkets and Drug Stores:	$
Convenience Stores:	$	Warehouse Clubs or Featured Stores:	$
Utilities (including TV):	$	Phone and Internet:	$
Wireless Phone Services:	$	Home Improvement Stores:	$
Airlines, Hotels, Cruises, and Tours:	$	Auto/Vehicle Rentals:	$
Book/Music/Video Stores, Movies:	$	Office Supply Stores:	$
Tax, Accounting, and Legal Services:	$	Web Advertising and Hosting:	$
Computer and Electronics Stores:	$	U.S. Postal Services:	$

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IN:NYC® Card from American Express Rewards Earning Details

Estimated Monthly Spent Summary:

U.S. Postal Services: $12
Auto/Vehicle Rentals: $157.5
Phone and Internet: $78.7
Utilities (including TV): $154.4
Supermarkets and Drug Stores: $242.2
Restaurants: $166.5
Gas Stations: $165.2
Total you spend per month: $1284.95

Annually Spent in Total: $15419.4

Gas Rewards

$1,982.40 * 1.00 point(s) = $1,982

Total Other Points Earning in 12 month(s): 1,982 point(s)

Restaurant Rewards

$1,998.00 * 2.00 point(s) = $3,996

Total Restaurant Points Earning in 12 month(s): 3,996 point(s)

Foodndrug Rewards

$2,906.40 * 1.00 point(s) = $2,906

Total Other Points Earning in 12 month(s): 2,906 point(s)

Utility Rewards

$1,852.80 * 2.00 point(s) = $3,706

Total Utility Points Earning in 12 month(s): 3,706 point(s)

Telecom Rewards

$944.40 * 2.00 point(s) = $1,889

Total Telecom Points Earning in 12 month(s): 1,889 point(s)

Autorental Rewards

$1,890.00 * 1.00 point(s) = $1,890

Total Other Points Earning in 12 month(s): 1,890 point(s)

Postal Rewards

$144.00 * 1.00 point(s) = $144

Total Other Points Earning in 12 month(s): 144 point(s)

Other Rewards

$3,701.40 * 1.00 point(s) = $3,701

Total Other Points Earning in 12 month(s): 3,701 point(s)

Total Estimated Points Earnings Annually: 20,215 point(s)

IN:NYC® Card from American Express Review:

The IN:NYC® Card from American Express is designed for those with good credit who live in or frequently visit New York City and plan to take advantage of the various benefits and services that are in New York City.

Through the reward program, cardholders earn two points for every dollar spent on dining establishments, movie theaters, cell phone service, cable and satellite television service, dial-up Internet service, gym memberships, and magazine and newspaper subscriptions, and they earn one point for every dollar spent on all other purchases. Points can be redeemed for benefits and experiences based in New York City, such as free hotel stays, dining, and airline travel. Points never expire, and there is no yearly limit to the amount that can be earned.

Perhaps what is most impressive about the program is the Tuesdays IN:NYC program. Cardholders can use the card at select participating merchants such as Nickel Spa for Men, Oasis Day Spa, Zabar's, and Jean Paul Gaultier on any Tuesday and get 10% off their purchase. Plus, cardholders save $15 on purchases of $150 or more at J&R Music and Computer World. The IN:NYC Card also provides cardholders with priority access to venues such as Irving Plaza and membership discounts at the Guggenheim Museum.

The interest rate for purchases is reasonably low (for a reward card), and there is no annual fee. There is also a 0% introductory rate on purchases and balance transfers for the first six months.

Aside from the reward program, this card offers a variety of standard benefits that include travel accident insurance, auto rental insurance, purchase protection, and various travel and emergency assistance services.

Therefore, those who can afford to pay in full each month after the introductory rate expires (to avoid finance charges), live or frequently stay in New York City (to earn additional points), and can accumulate enough points for dining and entertainment experiences will benefit most from what the IN:NYC® Card from American Express has to offer.

(Review Updated: March 11, 2008)

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