The Optima Platinum Card, issued by American Express, is a American Express credit card made of plastic.
Card Details
| Optima® Platinum Card | |
|---|---|
| Network / Tier | American Express |
| Issuer | American Express |
| Annual Fee | $49.00 138th |
| Foreign Transaction Fee | 2.7% 150th |
| Authorized User Fee | $0.00 |
| Min. Credit Line | N/A |
Welcome Offer
| Bonus | N/A |
| Min. Spend | N/A |
| Timeline | N/A |
| Efficiency | None |
| Cash Value | — |
| Portal Value | — |
| Transfer Value | — |
Rewards Breakdown
| Base Rate | 0.00x |
| Anniversary Bonus | None |
Pricing Details
| Purchase APR | 21.99%–21.99% |
| Cash Advance APR | 35.74% 72nd |
| Cash Advance Fee | 5% 14th |
| Balance Transfer Fee | None |
| Late Fee | Up to $40 36th |
| Return Payment Fee | Up to $40 62nd |
| Min. Interest | $0.00 |
| Grace Period | 23 days 120th |
| Penalty APR | 36.99% 49th |
| Intro APR Period | None |
Benefits & Partners
| Transfer Partners | None |
| Annual Credits | None |
| Partnership Benefits | None |
Strategy & Eligibility
| Min. Credit Score | 670+ |
| Recommended Range | Good to Excellent |
| Chase 5/24 Rule | No |
| Lifetime Restriction | Yes |
| Active Family Restriction | No |
| Closure Grace Period | None |
| Credit Reporting | Experian, Equifax, TransUnion |
| Product Lifecycle | Active |
Access & Resources
| Digital Wallets | Apple Pay, Google Pay, Samsung Pay |
| Customer Service | Unverified |
| Instant Use | Unverified |