IN:Chicago from American Express™

Earn one INSIDESM Rewards point for virtually every eligible dollar you spend, whether you're in Chicago or not. Points have no expiration date and you can redeem points for rewards in Chicago, New York and Los Angeles. 0% APR for 6 months No Annual Fee Earn double INSIDE Rewards points on city essentials like dining, cell phone service, gym memberships, and more CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 Months* As low as Prime + 3.99%* None* Yes* Good Credit*

Review: IN:Chicago from American Express®

Type of credit needed: Good Credit

Type of card: Point Rewards

Issued by: American Express™

Overview: The IN:Chicago from American Express credit card is best for those who either live in Chicago or travel there regularly. There is no annual fee for this card, a low introductory APR, and it allows cardholders to enjoy standard American Express perks like emergency card replacement and protection for unauthorized Internet transactions. Cardholders can enrol in the INSIDE rewards program at no additional cost. Points are earned on all qualifying purchases, and “City Essentials” like movie tickets and gym memberships earn extra points. There is no limit on the number of points that can be earned, and points never expire. They can be redeemed at hotels, restaurants, and airlines in Chicago, LA, or New York. On certain days of the week, cardholders can also enjoy discounts at participating Chicago establishments, including certain retailers and spas. The card also gives individuals preferred access to some Chicago clubs and concerts.

Pro and cons of the card:

Pros:

• No annual free
• Low introductory APR
• Enrolling in the INSIDE Rewards program is free
• Earn points for all eligible purchases
• Earn extra points for purchasing “City Essentials”
• No limits on point earnings
• Points never expire
• Discounts at Chicago establishments on certain days
• Redeem points at LA, New York, or Chicago establishments
• Preferred access to clubs and concerts in Chicago
• Standard American Express benefits like emergency card replacement

Cons:

• Must live in Chicago or visit there frequently to get the most out of the card
• APR varies depending on credit history

Excellent Credit 750-850 Good Credit 660-749 Fair Credit 620-659 Bad/Poor Credit 350-619 No Credit 0-0 Do You Know Your Credit Score? Find Out Now!

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories: Payment History Amounts Owed Length of Credit History Type of Credit Used New Credit

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* See the online Americanexpress.com/getinchicago (www.americanexpress.com/getinchicago) credit card application for details about terms and conditions and offers.