The Short Answer

Both the Amex Optima and Optima Platinum are legacy American Express credit card products that earn no rewards. The Optima Platinum charges a slightly higher annual fee ($49 vs. varies) and has a fixed APR structure — but neither card is designed for rewards optimization. Both are invite-only products.

See the full Amex Optima Platinum Card breakdown for rates, fees, and who it’s for.

Disclosure: AxeTip receives no compensation from card issuers for this content.

Terms, pricing, and rewards for this card were last verified as of 2026-10-14. While we strive for accuracy, card issuers may change terms at any time. Always verify details on the issuer's official website before applying.