Optima Platinum Card vs USAA Cashback Rewards Plus American Express Card

Side-by-side comparison of Optima Platinum Card and USAA Cashback Rewards Plus American Express Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Optima Platinum Card	USAA Cashback Rewards Plus American Express Card
Issuer	American Express	USAA
Network	American Express	American Express
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%	0%
Lifecycle	Active	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	0.0% (base)	1.0% (base)
Gas Stations	0.0% (base)	5.0%
military base purchases	0.0% (base)	5.0%
Supermarket purchases (up to $3,000/year)	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%	17.15% - 31.15%
Cash Advance APR	28.74%	31.15%
Penalty APR	29.99%	32.4%
Late Fee	$40	$35
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	—	Secondary
Baggage Delay	—	Up to $100 per day for 3 days
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	Doubles original warranty up to 1 additional year
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	Up to $1,500 per covered person
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

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	Standard