Snapshot

Optima Platinum Card
Optima Platinum Card
U.S. Bank Altitude Connect Visa Signature Card
U.S. Bank Altitude Connect Visa Signature Card
IssuerAmerican ExpressU.S. Bank
NetworkAmerican ExpressVisa
Card MaterialPlasticPlastic
Annual Fee$49.00$0.00
Base Rate0.00%1.00%
Travel Rewards0.00x5.00x
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)1.0% (base)
Hotels0.0% (base)5.0%
Travel0.0% (base)4.0%
Gas Stations0.0% (base)4.0%
Supermarkets0.0% (base)2.0%
Restaurants0.0% (base)2.0%
Streaming0.0% (base)2.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR14.99% - 14.99%21.24% - 29.24%
Cash Advance APR28.74%29.99%
Penalty APR29.99%N/A
Late Fee$40$41
Balance Transfer FeeN/Aundefined% (min $0)

Insurance & Protections

Auto RentalSecondary
Baggage Delay
Baggage Loss
Cell Phone ProtectionUp to $600 per claim, subject to $25 deductible
Extended Warranty
Purchase Protection
Return Protection
Trip Cancellation InterruptionCovered up to $2,000
Trip DelayCovered for delays over 12 hours
Tsa Precheck Global EntryUp to $100 statement credit every 4 years

Usability & Experience

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

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard