What Is the Amex Optima Platinum Card?
The American Express Optima® Platinum Card is a revolving credit card — not a charge card — issued by American Express to a specific subset of existing cardholders. It is not the same as the Amex Platinum Card (the premium travel card).
The Optima Platinum exists as a revolving credit option within the Amex ecosystem, primarily for cardholders who carry balances. It is invitation-only and not publicly available through Amex’s website.
Current Rates & Fees
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 |
How It Differs From the Regular Amex Platinum
| Amex Optima Platinum | Amex Platinum Card | |
|---|---|---|
| Card type | Credit card (revolving) | Charge card (pay in full) |
| Rewards | None | 5x on flights + hotels |
| Application | Upgrade/invitation only | Publicly available |
| Benefits | Basic | Centurion Lounges, airline credit, Global Entry, etc. |
| Annual fee | See snapshot above | See Amex Platinum review |
How Do You Get the Optima Platinum?
The Optima Platinum is not publicly available. You can only receive it through:
- An upgrade offer from an existing Amex Optima card
- A targeted invitation for eligible Amex cardholders
- A legacy account conversion
If you’re looking for a publicly available Amex card with rewards:
- Amex Blue Cash Everyday — 3% at US supermarkets, no annual fee
- Amex Gold Card — 4x dining and supermarkets
Is It Worth Keeping?
Reasons to keep it:
- The fixed APR (see snapshot above) may be below your other revolving card rates — check the pricing data
- Long-standing account age on your credit report if you’ve held it for years
Reasons to close or downgrade:
- It earns no rewards whatsoever (0% on all purchases)
- The annual fee buys no travel perks, lounge access, or consumer protections
Current Cardmember Agreement
The current cardmember agreement is linked directly in the card resources — see the snapshot above for the direct PDF link from American Express.
Disclosure: AxeTip receives no compensation from card issuers. Rates and fees rendered from card data files — see data/product/card/amex-optima-platinum.json. Refer to our Editorial Policy for details.