Snapshot

Optima Platinum Card
Optima Platinum Card
Citi Custom Cash Card
Citi Custom Cash Card
IssuerAmerican ExpressCiti
NetworkAmerican ExpressMastercard
Card MaterialPlasticPlastic
Annual Fee$49.00$0.00
Base Rate0.00%1.00%
Travel Rewards0.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee2.7%3%
LifecycleActiveAvailable

Welcome Offer

BonusNoneNone
Spend Requirement
Timeline

Rewards Breakdown

Base Rate0.0% (base)1.0% (base)
Top Eligible Spend Category (up to $500/billing cycle)0.0% (base)5.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNone3 partners
Annual CreditsNoneNone

Transfer Partners

5:4

Pricing Details

Purchase APR14.99% - 14.99%19.24% - 29.24%
Cash Advance APR28.74%29.99%
Penalty APR29.99%29.99%
Late Fee$40$41
Balance Transfer FeeN/Aundefined% (min $0)

Insurance & Protections

Auto Rental
Baggage Delay
Baggage Loss
Cell Phone Protection
Extended Warranty
Purchase Protection
Return Protection
Trip Cancellation Interruption
Trip Delay
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