Ranked #224/225
Ranked #148/225

Snapshot

Optima Platinum Card
Optima Platinum Card
 Amex Delta SkyMiles Platinum Business Card
Amex Delta SkyMiles Platinum Business Card
IssuerAmerican ExpressAmerican Express
NetworkAmerican ExpressAmerican Express
Card MaterialPlasticPlastic
Annual Fee$49.00$350.00
Base Rate0.00%1.00%
Travel Rewards0.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee2.7%0%
LifecycleActiveActive

Welcome Offer

BonusNoneNone
Spend Requirement--
Timeline--

Rewards Breakdown

Base Rate0.0% (base)1.0% (base)
Airline0.0% (base)3.0%
Hotels0.0% (base)3.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR14.99% - 14.99%12.74% - 21.74%
Cash Advance APR28.74%28.74%
Penalty APR29.99%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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