American Express Card Benefits

Identity Theft Assistance

Identity Theft Assistance is a fee-free service from American Express that helps you in the event that you become a victim of identity theft. Our experienced counselors are on call 24 hours a day to help you navigate the recovery process and offer tips on how to protect yourself in the future. They can even provide you with a comprehensive package designed to further assist you in re-establishing your good credit. Click here for full details.

Online Fraud Protection Guarantee

Use your IN:NYC^® Card online and you won't be responsible for any unauthorized charges. Period. No fine print, no deductible—just pure protection so you can shop with confidence anywhere on the internet. Click here for full details.

Extend the warranty on purchases

With the Buyer's Assurance Plan, you can enjoy worry-free shopping knowing that the terms of the original manufacturer's warranty will be extended up to one additional year on eligible U.S. warranties of five years or less. Click here for full details.

Purchase Protection Plan

Buy the things you want, when you want, and the Purchase Protection Plan will cover all eligible purchases made with your IN:NYC Card against accidental damage and theft for up to 90 days from date of purchase. Click here for full details.

Save on auto rental insurance

Get added protection and savings when you reserve and pay for an auto rental with your IN:NYC Card. Simply decline the Commercial Car Rental Company's Collision Damage Waiver (CDW) or similar option. Car Rental Loss and Damage Insurance covers you for damage to and theft of most auto rentals. Coverage is in excess of other sources of insurance. Click here for full details.

Return Protection

If you try to return a designated item within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the full purchase price, up to $300 per item, excluding shipping and handling. For full details click here.