Credit Card Details

The IN:LA(SM) Card from American Express is designed for those with good credit who live in or frequently visit Los Angeles and plan to take advantage of the various benefits and participating services that are in Los Angeles.

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 LA, Chicago, and New York City, such as free hotel stays, dining, and airline travel. An added benefit is that earned points never expire and have no yearly limit.

Perhaps what is most impressive about the program is the Tuesdays IN:LA program. Cardholders can use the card at select participating retailers, spas, and health clubs on any Tuesday and get 10% off their purchases. The IN:LA Card also provides cardholders with priority access to clubs and VIP rooms, and it can help save on museum memberships, concerts, and more.

The interest rate for purchases is considered reasonably 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.

This card also provides 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).

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 Los Angeles (to earn additional points), and can accumulate enough points for dining and entertainment experiences will benefit most from what the IN:LA(SM) Card from American Express has to offer.

Most Attractive Feature(s): Double points earned on city essentials; additional LA benefits and services for cardholders; no annual fee; reasonably low APR for purchases.
Least Attractive Feature(s): Higher APR for less qualifying applicants.

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.
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.

Rates & Fees