Ranked #224/225
Ranked #15/225

Snapshot

Optima Platinum Card
Optima Platinum Card
Chase Sapphire Reserve
Chase Sapphire Reserve
IssuerAmerican ExpressChase
NetworkAmerican ExpressVisa
Card MaterialPlasticMetal
Annual Fee$49.00$795.00
Base Rate0.00%1.00%
Travel Rewards0.00x3.00x
Auth. User Fee$0.00$75.00
Foreign Txn Fee2.7%0%
LifecycleActiveAvailable

Welcome Offer

BonusNoneNone
Spend Requirement--
Timeline--

Rewards Breakdown

Base Rate0.0% (base)1.0% (base)
Hotels0.0% (base)10.0%
Airline0.0% (base)5.0%
Restaurants0.0% (base)3.0%
Travel0.0% (base)3.0%
Lyft0.0% (base)5.0%
Anniversary BonusNoneNone
Portal Boost1x1.5x

Benefits & Partners

Transfer PartnersNone14 partners
Annual CreditsNoneNone

Transfer Partners

-1:1

Pricing Details

Purchase APR14.99% - 14.99%12.74% - 21.24%
Cash Advance APR28.74%21.74%
Penalty APR29.99%23.24%
Late Fee$40$40
Balance Transfer FeeN/Aundefined% (min $0)

Insurance & Protections

Auto Rental-Yes
Baggage Delay-Yes
Baggage Loss-Yes
Cell Phone Protection--
Extended Warranty-Yes
Purchase Protection-120 days
Return Protection--
Roadside Dispatch-Pay-per-use
Trip Cancellation Interruption-Yes
Trip Delay-Yes
Tsa Precheck Global Entry-Yes

Usability & Experience

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

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard

Cards in the Same Tier