IN:CHICAGO Card from American Express

Earn INSIDE Rewards that Allow Cardholders to Earn Points to Eat, Drink, and Play at Chicago Hotspots One INSIDE Rewards Point for Every Dollar Spent Two INSIDE Rewards Points for Every Dollar Spent on Things Cardholders Already Do Today in 8 Different Categories Option to Carry a Balance 0% APR for 6 Months on Purchases and Balance Transfers No Annual Fee

IN:CHICAGO Card from American Express 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 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.

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.