Optima Platinum Card vs L.L.Bean Mastercard

Side-by-side comparison of Optima Platinum Card and L.L.Bean Mastercard. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Optima Platinum Card	L.L.Bean Mastercard
Issuer	American Express	Citibank
Network	American Express	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$49.00	$0.00
Base Rate	0.00%	1.00%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	2.7%	3%
Lifecycle	Active	Active

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	0.0% (base)	1.0% (base)
L.L.Bean	0.0% (base)	4.0%
Restaurants	0.0% (base)	2.0%
Gas Stations	0.0% (base)	2.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	14.99% - 14.99%	10.99% - 18.99%
Cash Advance APR	28.74%	21.24%
Penalty APR	29.99%	21.49%
Late Fee	$40	$41
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	—	—
Trip Cancellation Interruption	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Citi 8/65