IN:NY � Card from American Express

• Earn one INSIDE^SM Rewards point for virtually every eligible dollar you spend in New York City.
• Points have no expiration date and you can redeem points for rewards in New York.
• Option to carry a balance
• 0% APR for 6 months

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IN:LA � Card from American Express

• Earn one INSIDE^SM Rewards point for virtually every eligible dollar you spend, whether you're in Los Angeles or not.
• Points have no expiration date and you can redeem points for rewards in Los Angeles, Chicago and New York.
• 0% APR for 6 months
• No Annual Fee

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American Express� Preferred Rewards Gold Card

• First year fee-free - $125 Thereafter
• Get 10,000 Membership Rewards� points redeemable for Rewards right away
• No Pre-Set Spending Limit
• Gold Card Events-exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide
• Global Assist� Plus Hotline and many more benefits included.

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Starwood Preferred Guest� Credit Card

• Earn 10,000 Starpoints� with your first purchase - enough for up to 3 free nights
• Use Starpoints for free nights and upgrades at over 825 participating Starwood hotels and resorts in 95 countries
• Transfer Starpoints - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
• Earn one Starpoint for every dollar of eligible spending and double Starpoints at participating Starwood properties and retail outlets
• First year fee-free and only $30 thereafter

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Hilton HHonors� Platinum Credit Card from American

• 10,000 HHonors bonus points after your very first purchase on the Card - enough for a free night
• 10,000 HHonors bonus points over the course of your first four stays at any participating Hilton Family hotels
  (2,500 HHonors bonus points each stay)
• Receive 5 HHonors bonus points for each dollar spent at Hilton Family hotels and for eligible purchases at supermarkets, drugstores, gas stations, dining establishments and more
• Get 3 Hilton HHonors bonus points for each eligible dollar you spend everywhere else
• No annual fee

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The Knot Credit Card from American Express

• Start out with a great wedding gift - 5,000 Membership Rewards� points the first time you use the Card, which can be redeemed for a $50 gift card.
• Earn an additional 10,000 bonus points when you spend over $15,000 on the Card annually.
• Track all of your wedding - related expenses with the Card on one monthly statement.
• No annual fee. Pay over time or in full.
• Exclusive Welcome Gift: Plan every detail of your wedding with The Knot Wedding Planning Kit, including The Knot wedding binder, where you can manage wedding ideas, budgets, guest lists, to-do's and more.

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The Nest Credit Card from American Express

• Start out with a great nest-warming gift - 5,000 Membership Rewards� points the first time you use the Card, which can be redeemed for a $50 gift card.
• Earn an additional 10,000 bonus points when you spend over $15,000 on the Card annually.
• No annual fee. Pay over time or in full.
• Exclusive Welcome Gift: The Nest Planning Kit, filled with many helpful items to get the two of you started including The Nest planning binder, designed to help you organize and manage home expenses and joint finances.

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American Express� Preferred Rewards Green Card

• First year fee-free - $95 Thereafter
• Get 5,000 Bonus Membership Rewards� points redeemable for Rewards right away
  
• The Membership Rewards program also lets you transfer points to 11 frequent flyer programs: 1 point = 1 frequent flyer mile or frequent guest credit for most programs
• Global Assist� Plus Hotline allows you to travel with total peace of mind when you are more than 100 miles away from home
  
• Many other travel and shopping benefits
• No Preset Spending Limit

Apply Now!

When you receive credit card offers in the mail, examine the fine print before you accept any offer. Review the following items very carefully.

Annual Percentage Rate (APR) - determine if it varies, how the variation is determined and when can it change.

Period Rate - This is the interest rate used to figure the finance charge on your balance.

Annual Fee - Amount you pay to be a cardholder. All cards do not charge an annual fee.

Grace period - This is the number of days you have to pay your bill before finance charges begin to accrue.

Finance charges - Most lenders calculate finance charges using an average daily account balance. Look for offers that use an adjustable balance which subtracts your payment from your beginning balance.

Other fees - Ask about special fees when you get a cash advance, make a late payment or go over your credit limit.

Obtaining a Free Credit Report Question Obtaining a Free Credit Report Answer Normally, the four major Credit Reporting Agencies (CRAs) may charge you up to $9.50 for a copy of your credit report. However, an amendment to the Fair Credit Reporting Act requires each of the CRAs to provide you with a free copy of your credit report once every 12 months. Details on ordering are accessible through the Federal Trade Commission (FTC). You may also request a free copy of your credit report if a company takes adverse action against you, such as denying your application for credit, insurance or employment. You must request your report within 60 days of receiving notice of the action. The notice will give you the name, address, and telephone number of the CRA that provided the negative information. The four major CRAs are Equifax, Experian, Innovis and TransUnion. You may also be entitled to one free credit report a year if you certify in writing that: you are unemployed and plan to look for a job within 60 days you are on welfare your report is inaccurate because of fraud Even if you have not been denied credit, you may want to find out what information is in your credit report. Some financial advisors suggest that you review your credit report periodically for inaccuracies or omissions. This could be especially important if you are considering a major purchase, such as buying a home or a car.