Ranked #51/225
Ranked #223/225

Snapshot

Amex Blue Cash Preferred
Amex Blue Cash Preferred
 Amex Optima Card
Amex Optima Card
IssuerAmerican ExpressAmerican Express
NetworkAmerican ExpressAmerican Express
Card MaterialPlasticPlastic
Annual Fee$95.00$49.00
Base Rate1.00%0.00%
Travel Rewards0.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee2.7%2.7%
LifecycleActiveActive

Welcome Offer

BonusNoneNone
Spend Requirement--
Timeline--

Rewards Breakdown

Base Rate1.0% (base)0.0% (base)
Supermarkets6.0%0.0% (base)
Streaming6.0%0.0% (base)
Gas Stations3.0%0.0% (base)
Transit & Rideshare3.0%0.0% (base)
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR12.74% - 21.74%14.99% - 14.99%
Cash Advance APR21.99%28.74%
Penalty APR26.74%29.99%
Late Fee$40$40
Balance Transfer FeeN/AN/A

Insurance & Protections

Auto Rental--
Trip Cancellation Interruption--

Usability & Experience

Digital WalletN/AN/A
Instant Card Number--
Credit BureausN/AN/A

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard

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