Balance transfer to a
American Express® IN New York City
Get the Card that lets you eat, drink, and play at New York City’s most fashionable spots. The IN:NYC Card comes with INSIDESM Rewards -- the program that lets you earn dining and entertainment experiences, in addition to the benefits and services you’ve come to expect from American Express.
Highlights of the IN:NYC Card
- 0% Intro Rate for 6 Months on Purchases and Balance Transfers
- No Annual Fee
- Option to carry a balance
- Earn INSIDE Rewards that allow you to earn points to eat, drink, and play at New York hotspots
- One INSIDE Rewards Point for every dollar spent
- Two INSIDE Rewards Points for every dollar spent on things you already do today in 8 different categories
Let us help you take advantage of all that New York has to offer
As an IN:NYCSM Cardmember, you have the Card that gives you the essential gear for better city living. Enjoy unique tasting menus at Mercer Kitchen or Tao, VIP treatment at the Gen Art Fashion Show, or be a Guest DJ at THE WHISKEY. These are only a few of the rewards that are offered by over 70 IN:NYC partners.
With the IN:NYC Card, you'll earn 1 INSIDE Rewards Point for every dollar spent just by using your Card. Plus, as an added bonus, you'll always receive 2 INSIDE Rewards points for every dollar spent on Dining, Movies, Cell Phone, Cable and Dial-up ISP subscriptions, Newspaper & Magazine subscriptions, and Gym Memberships...all the things you already do today. Rewards start as low as 2,000 points and there is no expiration date or limit to how many points you can earn. You can even share points with friends or family by transferring points to another IN:NYC Cardmember account.
In addition, the IN:NYC Card also comes with many other on going benefits, such as the Tuesdays IN:NYC program. Just use your card at select participating merchants, such as Nickel, Oasis Day Spa, Zabar's, Jean Paul Gaultier, and J&R Music Computer World, on any Tuesday and get 10% off your purchase. The IN:NYC Card also provides you with Priority access to venues such as Irving Plaza and membership discounts at the Guggenheim Museum. Get the IN:NYC Card today.
Access Your Account Online
You can view up-to-date billing information online, including transactions, charges, and payments.
Identity Theft Assistance
If you suspect you are a victim of identity theft, know that Identity Theft Assistance, free from American Express, will be there to help. Our experienced counselors are on call 24 hours a day to help you navigate the recovery process; offer tips on how to protect yourself in the future; as well as provide a comprehensive package designed to further assist you in re-establishing your good credit.
Transfer Balances
Transferring balances from higher-rate credit cards, department store cards, and loans to your IN:NYC Card can help you save money on interest, reduce your monthly payments, and make one convenient payment.
Your Year End Summary: Now Available Online
Your new Online Year End Summary of Charges gives you access to important information 24 hours a day, seven days a week. Flexible features make organizing your expenses a snap - download the Summary and print it out; sort by date, merchant name, or charge amount; review charges made within a category, such as Travel and Restaurant. Your Year End Summary is an indispensable tool for preparing taxes and budgeting. You may also receive a paper Year End Summary in the mail by calling the number on the back of your Card.
Dedicated Customer Service
American Express is here to help you around the clock, with the kind of Customer Service that keeps Cardmembers loyal for a lifetime. For immediate service, call the phone number on the back of your Card.
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What is a balance transfer?
A balance transfer can be explained simply as a balance transfer! When a balance is transferred usually from a credit card, but possible from a bank account or loan to a credit card with a offer interest rate (usually 0%) for a set period. It does not have to be the entire amount. The card receiving the balance will an interest rate for a set term, normally 6 months, but can be 9 months or even a year. Take a look at the current balance transfer deals currently available. This will give you a flavour of the typical kind of deal available. Consider Chase Credit cards for balance transfers.
Should I apply for a balance transfer to a low apr credit card?
It is important to remember that a balance transfer does not mean that the debt has gone away. It just means you are not paying interest on it. You will still have to maintain payments.
This may seem obvious but many people do not get this straight in their mind.
The basic criteria for getting a balance transfer is when you regularly have an outstanding balance after making your monthly payments. This is the amount you should look to transfer to another card. This will mean that for the period of the offer you will pay no interest on the balance (provided you make the minimum payments).
You should be very wary of taking up a balance transfer, if your overall debt is increasing. A balance transfer is not a green light to spend more money. The money you save should be used to decrease your debt.
What should I look for in a balance transfer?
You need to be aware of the following when looking for a balance transfer card
Good things
- Length of offer period.
- Offer Interest Rate.
- The zero or low interest rate charged on the balance.
- Possible transfers from loans and overdrafts.
- On some cards you can transfer from existing loans and overdrafts and still get the offer.
Bad things
- Cut-off period for the balance transfer offer.
- Hidden Charges on transfers.
- Some banks will charge a handling fee on the balance transfer.
How long the offer is valid for?
There is usually a cut off point from the account opening when the offer is no longer valid. Be very aware of this otherwise you could end up transferring a balance to a higher rate !!
What about new purchases?
Unless there is also a 0% interest rate on new purchases then you should avoid making new purchases on a balance transfer card. This is because the banks will look to reduce the balance transfer debt quicker than the new debt. Provided your credit history is reasonable, there is nothing stopping you having several cards for different purposes. A good way is to have a card, which specialises in 0% on new purchases and another card for balance transfers.
What happens when the balance transfer period finishes?
When the balance transfer offer period finishes the debt will revert to the typical variable APR. The lenders hope at this point that the cardholder will retain the card and some of the debt, so they can then start charging interest and making some money! So take into consideration the low interest rate credit cards. However, there is nothing stopping the disciplined credit card holder from switching to another balance transfer deal and closing the account. The cycle then starts again. Always allow 6 weeks to 8 weeks before the end of the offer period to apply for a new card. This means you can get the balance transferred to the new card before the lender can start charging the higher rate. You have to be organised to do this, but if you are it does work. People who regularly switch balances are know as card tarts.
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if you answer YES to these questions, you should consider a balance transfer to a new credit card...
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Can you pay only the minimum amount on your credit cards?
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Are you tired of your old credit card company lifting their APR. higher this year ?
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You did talk to them, but they won't lower your credit card's APR. at all?
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Your credit card company has been purchased by an other bank, and they intend to raise their APR.?
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SAVE 1.9-18.0 % annually with these balance transfer Credit Cards!
Kostenlos kreditkarten
Why don't you check these low APR credit cards? They offer intro and ongoing low APR for new openings and balance transfers and you can start saving today!
We offer 0% balance transfer credit cards and credit cards with fixed low APR on balance transfers!
Balance--transfer .com is getting updated with the latest credit card offerings time to time.
Please bookmark this site and check back later to see our very new offers!
If you have any question or need advise on this subject, please E-mail us!
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