Ranked #224/225
Ranked #31/225

Snapshot

Optima Platinum Card
Optima Platinum Card
 Alliant Cashback Visa Signature Credit Card
Alliant Cashback Visa Signature Credit Card
IssuerAmerican ExpressAlliant Credit Union
NetworkAmerican ExpressVisa
Card MaterialPlasticPlastic
Annual Fee$49.00$0.00
Base Rate0.00%2.50%
Travel Rewards0.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee2.7%0%
LifecycleActiveAvailable

Welcome Offer

BonusNoneNone
Spend Requirement--
Timeline--

Rewards Breakdown

Base Rate0.0% (base)2.5% (base)
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR14.99% - 14.99%15.24% - 25.24%
Cash Advance APR28.74%25.24%
Penalty APR29.99%N/A
Late Fee$40$29
Balance Transfer FeeN/Aundefined% (min $0)

Insurance & Protections

Auto Rental-Secondary
Baggage Delay-Up to $300
Baggage Loss--
Cell Phone Protection--
Extended Warranty-Doubles original warranty up to 1 additional year
Purchase Protection-Up to $10,000 per claim
Return Protection--
Trip Cancellation Interruption-Up to $2,000 per passenger
Trip Delay-Up to $300 (delay > 12 hours)
Tsa Precheck Global Entry--

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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