Question 1

Amex Optima Card vs Amazon Prime Visa

Accepted Answer

Snapshot Amex Optima Card Amazon Prime Visa Issuer American Express Chase Network American Express Visa (Visa Signature) Card Material Plastic Metal Annual Fee $49.00 $0.00 Base Rate 0.00% 1.00% Travel Rewards 0.00x 5.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (9y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 150 Cash Spend Requirement N/A $0 Timeline N/A 0 days Efficiency Score 0.00 pts/$1 …

Question 2

Amex Optima Card vs Amazon Visa

Accepted Answer

Snapshot Amex Optima Card Amazon Visa Issuer American Express Chase Network American Express Visa (Visa Signature) Card Material Plastic Plastic Annual Fee $49.00 $0.00 Base Rate 0.00% 1.00% Travel Rewards 0.00x 1.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 3% Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (5y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 50 Cash Spend Requirement N/A $0 Timeline N/A 0 days Efficiency Score 0.00 pts/$1 0.00 …

Question 3

Amex Optima Card vs Amex Blue Business Cash Card

Accepted Answer

Snapshot Amex Optima Card Amex Blue Business Cash Card Issuer American Express American Express 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 Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 2.7% Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 250 Cash Spend Requirement N/A $3,000 Timeline N/A 90 days Efficiency Score 0.00 …

Question 4

Amex Optima Card vs Amex Blue Cash Everyday

Accepted Answer

Snapshot Amex Optima Card Amex Blue Cash Everyday Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $0.00 Effective: $-264.00 • $180 Home Chef Credit • $84 Disney Bundle Credit Base Rate 0.00% 1.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 2.7% Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 200 Cash Spend …

Question 5

Amex Optima Card vs Amex Blue Cash Preferred

Accepted Answer

Snapshot Amex Optima Card Amex Blue Cash Preferred Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $95.00 Effective: $-109.00 • $120 Equinox&#43; Credit • $84 Disney Bundle Credit Base Rate 0.00% 1.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 2.7% Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 300 Cash …

Question 6

Amex Optima Card vs Amex Business Gold Card

Accepted Answer

Snapshot Amex Optima Card Amex Business Gold Card Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $375.00 Effective: $-470.00 • $240 Flexible Business Credit • $300 ChatGPT Business Credit • $150 Squarespace Credit • $155 Walmart&#43; Credit Base Rate 0.00% 1.00% Travel Rewards 0.00x 3.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active …

Question 7

Amex Optima Card vs Amex Business Platinum Card

Accepted Answer

Snapshot Amex Optima Card Amex Business Platinum Card® Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $895.00 Effective: $-205.00 • $200 Airline Fee Credit • $300 ChatGPT Business Credit • $600 Fine Hotels Credit Base Rate 0.00% 1.00% Travel Rewards 0.00x 5.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A …

Question 8

Amex Optima Card vs Amex Cash Magnet

Accepted Answer

Snapshot Amex Optima Card Amex Cash Magnet Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $0.00 Base Rate 0.00% 1.50% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 2.7% Credit Reporting None None Product Lifecycle Active discontinued Minimum Credit Line N/A N/A Welcome Offer Bonus N/A N/A Spend Requirement N/A N/A Timeline N/A N/A Efficiency Score 0.00 pts/$1 0.00 pts/$1 …

Question 9

Amex Optima Card vs Amex Delta SkyMiles Blue

Accepted Answer

Snapshot Amex Optima Card Amex Delta SkyMiles Blue Issuer American Express American Express 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 Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 10,000 Delta Miles Spend Requirement N/A $1,000 Timeline N/A 180 days Efficiency …

Question 10

Amex Optima Card vs Amex Delta SkyMiles Gold

Accepted Answer

Snapshot Amex Optima Card Amex Delta SkyMiles Gold Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $150.00 Effective: $-150.00 • $100 Delta Stays Credit • $200 Flight Credit Base Rate 0.00% 1.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 80,000 Delta …

Question 11

Amex Optima Card vs Amex Delta SkyMiles Gold Business Card

Accepted Answer

Snapshot Amex Optima Card Amex Delta SkyMiles® Gold Business Card Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $150.00 Effective: $-150.00 • $100 Delta Stays Credit • $200 Flight Credit Base Rate 0.00% 1.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A …

Question 12

Amex Optima Card vs Amex Delta SkyMiles Platinum

Accepted Answer

Snapshot Amex Optima Card Amex Delta SkyMiles Platinum Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $350.00 Effective: $-40.00 • $120 Resy Credit • $120 Rideshare Credit • $150 Delta Stays Credit Base Rate 0.00% 1.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer …

Question 13

Amex Optima Card vs Amex Delta SkyMiles Platinum Business Card

Accepted Answer

Snapshot Amex Optima Card Amex Delta SkyMiles® Platinum Business Card Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $350.00 Effective: $110.00 • $120 Resy Credit • $120 Rideshare Credit Base Rate 0.00% 1.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A …

Question 14

Amex Optima Card vs Amex Delta SkyMiles Reserve Business Card

Accepted Answer

Snapshot Amex Optima Card Amex Delta SkyMiles® Reserve Business Card Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $650.00 Effective: $210.00 • $240 Resy Credit • $200 Delta Stays Credit Base Rate 0.00% 1.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A …

Question 15

Amex Optima Card vs Amex EveryDay

Accepted Answer

Snapshot Amex Optima Card Amex EveryDay Issuer American Express American Express 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 Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 2.7% Credit Reporting None None Product Lifecycle Active discontinued Minimum Credit Line N/A N/A Welcome Offer Bonus N/A N/A Spend Requirement N/A N/A Timeline N/A N/A Efficiency Score 0.00 pts/$1 0.00 pts/$1 …

Question 16

Amex Optima Card vs Amex Graphite Business Cash Unlimited Card

Accepted Answer

Snapshot Amex Optima Card Amex Graphite® Business Cash Unlimited Card Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $295.00 Base Rate 0.00% 2.00% Travel Rewards 0.00x 5.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 1,500 Cash Spend Requirement N/A $50,000 Timeline N/A 180 days …

Question 17

Amex Optima Card vs Amex Green Card

Accepted Answer

Snapshot Amex Optima Card Amex Green Card Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $150.00 Effective: $-49.00 • $199 CLEAR Credit Base Rate 0.00% 1.00% Travel Rewards 0.00x 3.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 40,000 Amex Points Spend Requirement N/A $3,000 …

Question 18

Amex Optima Card vs Amex Hilton Honors

Accepted Answer

Snapshot Amex Optima Card Amex Hilton Honors Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $0.00 Base Rate 0.00% 3.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 100,000 Hilton Points Spend Requirement N/A $2,000 Timeline N/A 180 days Efficiency Score …

Question 19

Amex Optima Card vs Amex Hilton Honors Business Card

Accepted Answer

Snapshot Amex Optima Card Amex Hilton Honors Business Card Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $195.00 Effective: $-45.00 • $240 Hilton Credit Base Rate 0.00% 3.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 130,000 Hilton Points Spend …

Question 20

Amex Optima Card vs Amex Marriott Bonvoy Business Card

Accepted Answer

Snapshot Amex Optima Card Amex Marriott Bonvoy Business Card Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $125.00 Base Rate 0.00% 2.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 150,000 Marriott Points Spend Requirement N/A $8,000 Timeline N/A 180 …

Question 21

Amex Optima Card vs Amex Platinum Card

Accepted Answer

Snapshot Amex Optima Card Amex Platinum Card Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $895.00 Effective: $295.00 • $200 Hotel Credit • $200 Airline Fee Credit • $200 Uber Cash Base Rate 0.00% 1.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 175,000 …

Question 22

Amex Optima Card vs Blue Cash Preferred Card from American Express Exclusively for Morgan Stanley

Accepted Answer

Snapshot Amex Optima Card Blue Cash Preferred Card from American Express Exclusively for Morgan Stanley Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $95.00 Effective: $11.00 • $84 Disney Bundle Credit Base Rate 0.00% 1.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 2.7% Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome …

Question 23

Amex Optima Card vs Business Green Rewards Card from American Express

Accepted Answer

Snapshot Amex Optima Card Business Green Rewards Card from American Express Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $95.00 Base Rate 0.00% 1.00% Travel Rewards 0.00x 2.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 2.7% Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 15,000 Amex Points Spend Requirement N/A $3,000 Timeline …

Question 24

Amex Optima Card vs Centurion Card from American Express

Accepted Answer

Snapshot Amex Optima Card Centurion Card from American Express Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $5000.00 Effective: $1000.00 • $3000 Equinox Destination Access • $1000 Saks Fifth Avenue Credit Base Rate 0.00% 1.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A …

Question 25

Amex Optima Card vs Charles Schwab Investor Credit Card from American Express

Accepted Answer

Snapshot Amex Optima Card Charles Schwab Investor Credit Card from American Express Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $0.00 Base Rate 0.00% 0.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A N/A Spend Requirement N/A N/A Timeline N/A N/A …

Question 26

Amex Optima Card vs Chase Aeroplan Credit Card

Accepted Answer

Snapshot Amex Optima Card Chase Aeroplan® Credit Card Issuer American Express Chase Network American Express Mastercard (World Elite Mastercard) Card Material Plastic Plastic Annual Fee $49.00 $95.00 Base Rate 0.00% 1.00% Travel Rewards 0.00x 3.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (3y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 75,000 Aeroplan Points Spend Requirement N/A $4,000 …

Question 27

Amex Optima Card vs Chase Freedom Flex℠

Accepted Answer

Snapshot Amex Optima Card Chase Freedom Flex℠ Issuer American Express Chase Network American Express Mastercard (World Elite Mastercard) Card Material Plastic Plastic Annual Fee $49.00 $0.00 Base Rate 0.00% 1.00% Travel Rewards 0.00x 5.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 3% Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (5y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 200 Cash Spend Requirement N/A $500 Timeline N/A 90 days …

Question 28

Amex Optima Card vs Chase Freedom Unlimited

Accepted Answer

Snapshot Amex Optima Card Chase Freedom Unlimited® Issuer American Express Chase Network American Express Visa (Visa Signature) Card Material Plastic Plastic Annual Fee $49.00 $0.00 Base Rate 0.00% 1.50% Travel Rewards 0.00x 5.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 3% Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (10y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 200 Cash Spend Requirement N/A $500 Timeline N/A 90 days Efficiency Score …

Question 29

Amex Optima Card vs Chase Ink Business Unlimited

Accepted Answer

Snapshot Amex Optima Card Chase Ink Business Unlimited® Issuer American Express Chase Network American Express Visa Card Material Plastic Plastic Annual Fee $49.00 $0.00 Base Rate 0.00% 1.50% Travel Rewards 0.00x 1.50x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 3% Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (7y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 750 Cash Spend Requirement N/A $6,000 Timeline N/A 90 days Efficiency Score 0.00 pts/$1 …

Question 30

Amex Optima Card vs Chase Sapphire Preferred

Accepted Answer

Snapshot Amex Optima Card Chase Sapphire Preferred Issuer American Express Chase Network American Express Visa (Visa Signature) Card Material Plastic Metal Annual Fee $49.00 $95.00 Effective: $-75.00 • $50 Annual Chase Travel Hotel Credit • $120 DoorDash Grocery/Retail Credit Base Rate 0.00% 1.00% Travel Rewards 0.00x 2.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (16y ago) Minimum Credit Line N/A $5000 …

Question 31

Amex Optima Card vs Chase Sapphire Reserve

Accepted Answer

Snapshot Amex Optima Card Chase Sapphire Reserve® Issuer American Express Chase Network American Express Visa (Visa Infinite) Card Material Plastic Metal Annual Fee $49.00 $795.00 Effective: $495.00 • $300 Annual Travel Credit Base Rate 0.00% 1.00% Travel Rewards 0.00x 3.00x Authorized User Fee $0.00 $75.00 Foreign Transaction Fee 2.7% None Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (9y ago) Minimum Credit Line N/A $10000 Welcome Offer Bonus N/A 150,000 Chase Points …

Question 32

Amex Optima Card vs Citi Prestige Card

Accepted Answer

Snapshot Amex Optima Card Citi Prestige Card Issuer American Express Citibank Network American Express Mastercard (World Elite) Card Material Plastic Plastic Annual Fee $49.00 $495.00 Base Rate 0.00% 1.00% Travel Rewards 0.00x 5.00x Authorized User Fee $0.00 $75.00 Foreign Transaction Fee 2.7% None Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Grandfathered (16y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A N/A Spend Requirement N/A N/A Timeline N/A N/A Efficiency Score …

Question 33

Amex Optima Card vs Delta SkyMiles Reserve American Express Card

Accepted Answer

Snapshot Amex Optima Card Delta SkyMiles Reserve American Express Card Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $650.00 Effective: $90.00 • $240 Resy Credit • $120 Rideshare Credit • $200 Delta Stays Credit Base Rate 0.00% 1.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A …

Question 34

Amex Optima Card vs Disney Inspire Visa Card

Accepted Answer

Snapshot Amex Optima Card Disney® Inspire Visa® Card Issuer American Express Chase Network American Express Visa Card Material Plastic Plastic Annual Fee $49.00 $149.00 Effective: $-71.00 • $120 Annual Disney Streaming Credit • $100 Annual Theme Park Ticket Credit Base Rate 0.00% 1.00% Travel Rewards 0.00x 3.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (0y ago) Minimum Credit Line N/A N/A Welcome Offer …

Question 35

Amex Optima Card vs Disney Premier Visa Card

Accepted Answer

Snapshot Amex Optima Card Disney® Premier Visa® Card Issuer American Express Chase Network American Express Visa Card Material Plastic Plastic Annual Fee $49.00 $49.00 Base Rate 0.00% 1.00% Travel Rewards 0.00x 2.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (16y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 300 Cash Spend Requirement N/A $500 Timeline N/A 90 days Efficiency Score 0.00 pts/$1 …

Question 36

Amex Optima Card vs Disney Visa Card

Accepted Answer

Snapshot Amex Optima Card Disney® Visa® Card Issuer American Express Chase Network American Express Visa Card Material Plastic Plastic Annual Fee $49.00 $0.00 Base Rate 0.00% 1.00% Travel Rewards 0.00x 1.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 3% Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (23y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 100 Cash Spend Requirement N/A $0 Timeline N/A 0 days Efficiency Score 0.00 pts/$1 0.00 pts/$1 …

Question 37

Amex Optima Card vs DoorDash Rewards Mastercard

Accepted Answer

Snapshot Amex Optima Card DoorDash Rewards Mastercard® Issuer American Express Chase Network American Express Mastercard Card Material Plastic Plastic Annual Fee $49.00 $0.00 Base Rate 0.00% 1.00% Travel Rewards 0.00x 1.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 3% Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (3y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A Cash Spend Requirement N/A $0 Timeline N/A 0 days Efficiency Score 0.00 pts/$1 …

Question 38

Amex Optima Card vs Gold Rewards Card

Accepted Answer

Snapshot Amex Optima Card Gold Rewards Card Issuer American Express American Express Network American Express American Express (American Express Gold) Card Material Plastic Metal Annual Fee $49.00 $325.00 Effective: $205.00 • $120 Dining Credit Base Rate 0.00% 1.00% Travel Rewards 0.00x 5.00x Authorized User Fee $0.00 $35.00 Foreign Transaction Fee 2.7% None Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (60y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 100,000 …

Question 39

Amex Optima Card vs Hilton Honors American Express Aspire Card

Accepted Answer

Snapshot Amex Optima Card Hilton Honors American Express Aspire Card Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $550.00 Effective: $-259.00 • $400 Hilton Resort Credit • $200 Flight Credit • $209 CLEAR Credit Base Rate 0.00% 3.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A …

Question 40

Amex Optima Card vs Hilton Honors American Express Surpass Card

Accepted Answer

Snapshot Amex Optima Card Hilton Honors American Express Surpass Card Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $150.00 Effective: $-50.00 • $200 Hilton Credit Base Rate 0.00% 3.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 130,000 Hilton Points …

Question 41

Amex Optima Card vs IHG One Rewards Premier Business Credit Card

Accepted Answer

Snapshot Amex Optima Card IHG One Rewards Premier Business Credit Card Issuer American Express Chase Network American Express Mastercard Card Material Plastic Plastic Annual Fee $49.00 $99.00 Base Rate 0.00% 3.00% Travel Rewards 0.00x 5.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (4y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 140,000 Ihg Points Spend Requirement N/A $3,000 Timeline N/A 90 …

Question 42

Amex Optima Card vs IHG One Rewards Premier Credit Card

Accepted Answer

Snapshot Amex Optima Card IHG One Rewards Premier Credit Card Issuer American Express Chase Network American Express Mastercard Card Material Plastic Plastic Annual Fee $49.00 $99.00 Base Rate 0.00% 3.00% Travel Rewards 0.00x 5.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (3y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 150,000 Ihg Points Spend Requirement N/A $3,000 Timeline N/A 90 days …

Question 43

Amex Optima Card vs IHG One Rewards Traveler Credit Card

Accepted Answer

Snapshot Amex Optima Card IHG One Rewards Traveler Credit Card Issuer American Express Chase Network American Express Mastercard Card Material Plastic Plastic Annual Fee $49.00 $0.00 Base Rate 0.00% 2.00% Travel Rewards 0.00x 3.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (3y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 80,000 Ihg Points Spend Requirement N/A $2,000 Timeline N/A 90 days …

Question 44

Amex Optima Card vs Ink Business Cash Credit Card

Accepted Answer

Snapshot Amex Optima Card Ink Business Cash® Credit Card Issuer American Express Chase Network American Express Visa Card Material Plastic Plastic Annual Fee $49.00 $0.00 Base Rate 0.00% 1.00% Travel Rewards 0.00x 1.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 3% Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (10y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 750 Cash Spend Requirement N/A $6,000 Timeline N/A 90 days Efficiency Score 0.00 …

Question 45

Amex Optima Card vs Ink Business Preferred Credit Card

Accepted Answer

Snapshot Amex Optima Card Ink Business Preferred® Credit Card Issuer American Express Chase Network American Express Visa (Visa Signature) Card Material Plastic Plastic Annual Fee $49.00 $95.00 Base Rate 0.00% 1.00% Travel Rewards 0.00x 3.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (9y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 100,000 Chase Points Spend Requirement N/A $8,000 Timeline …

Question 46

Amex Optima Card vs Ink Business Premier Credit Card

Accepted Answer

Snapshot Amex Optima Card Ink Business Premier® Credit Card Issuer American Express Chase Network American Express Visa (Visa Signature) Card Material Plastic Metal Annual Fee $49.00 $195.00 Base Rate 0.00% 2.00% Travel Rewards 0.00x 5.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (3y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 1,000 Cash Spend Requirement N/A $10,000 Timeline N/A 90 days …

Question 47

Amex Optima Card vs Instacart Mastercard

Accepted Answer

Snapshot Amex Optima Card Instacart Mastercard® Issuer American Express Chase Network American Express Mastercard (World Mastercard) Card Material Plastic Plastic Annual Fee $49.00 $0.00 Base Rate 0.00% 1.00% Travel Rewards 0.00x 5.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 3% Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (3y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 50 Cash Spend Requirement N/A $0 Timeline N/A 0 days Efficiency Score …

Question 48

Amex Optima Card vs Marriott Bonvoy American Express Card

Accepted Answer

Snapshot Amex Optima Card Marriott Bonvoy American Express Card Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $95.00 Base Rate 0.00% 2.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A N/A Spend Requirement N/A N/A Timeline N/A N/A Efficiency Score 0.00 …

Question 49

Amex Optima Card vs Marriott Bonvoy Bevy American Express Card

Accepted Answer

Snapshot Amex Optima Card Marriott Bonvoy Bevy American Express Card Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $250.00 Base Rate 0.00% 2.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 135,000 Marriott Points Spend Requirement N/A $7,000 Timeline N/A …

Question 50

Amex Optima Card vs Marriott Bonvoy Bold Credit Card

Accepted Answer

Snapshot Amex Optima Card Marriott Bonvoy Bold® Credit Card Issuer American Express Chase Network American Express Visa Card Material Plastic Plastic Annual Fee $49.00 $0.00 Base Rate 0.00% 2.00% Travel Rewards 0.00x 3.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (7y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 30,000 Marriott Points Spend Requirement N/A $1,000 Timeline N/A 90 days …

Question 51

Amex Optima Card vs Marriott Bonvoy Boundless Credit Card

Accepted Answer

Snapshot Amex Optima Card Marriott Bonvoy Boundless® Credit Card Issuer American Express Chase Network American Express Visa Card Material Plastic Plastic Annual Fee $49.00 $95.00 Base Rate 0.00% 2.00% Travel Rewards 0.00x 6.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (7y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A Marriott Points Spend Requirement N/A $0 Timeline N/A 0 days Efficiency …

Question 52

Amex Optima Card vs Marriott Bonvoy Bountiful Credit Card

Accepted Answer

Snapshot Amex Optima Card Marriott Bonvoy Bountiful™ Credit Card Issuer American Express Chase Network American Express Visa Card Material Plastic Plastic Annual Fee $49.00 $250.00 Base Rate 0.00% 2.00% Travel Rewards 0.00x 6.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (1y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 85,000 Marriott Points Spend Requirement N/A $4,000 Timeline N/A 90 days …

Question 53

Amex Optima Card vs Marriott Bonvoy Brilliant American Express Card

Accepted Answer

Snapshot Amex Optima Card Marriott Bonvoy Brilliant American Express Card Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $650.00 Effective: $350.00 • $300 Dining Credit Base Rate 0.00% 2.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 150,000 Marriott …

Question 54

Amex Optima Card vs Optima Platinum Card

Accepted Answer

Snapshot Amex Optima Card Optima® Platinum Card Issuer American Express American Express Network American Express American Express Card Material Plastic Plastic Annual Fee $49.00 $49.00 Base Rate 0.00% 0.00% Travel Rewards 0.00x 0.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 2.7% Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A N/A Spend Requirement N/A N/A Timeline N/A N/A Efficiency Score 0.00 pts/$1 0.00 pts/$1 …

Question 55

Amex Optima Card vs Robinhood Gold Card

Accepted Answer

Snapshot Amex Optima Card Robinhood Gold Card Issuer American Express Robinhood Network American Express Visa (Visa Signature) Card Material Plastic Metal Annual Fee $49.00 $0.00 Base Rate 0.00% 3.00% Travel Rewards 0.00x 5.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (2y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A N/A Spend Requirement N/A N/A Timeline N/A N/A Efficiency Score 0.00 pts/$1 …

Question 56

Amex Optima Card vs Southwest Rapid Rewards Performance Business Credit Card

Accepted Answer

Snapshot Amex Optima Card Southwest® Rapid Rewards® Performance Business Credit Card Issuer American Express Chase Network American Express Visa Card Material Plastic Plastic Annual Fee $49.00 $199.00 Base Rate 0.00% 1.00% Travel Rewards 0.00x 3.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 3% Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (8y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 80,000 Southwest Points Spend Requirement N/A $5,000 …

Question 57

Amex Optima Card vs Southwest Rapid Rewards Plus Credit Card

Accepted Answer

Snapshot Amex Optima Card Southwest Rapid Rewards® Plus Credit Card Issuer American Express Chase Network American Express Visa Card Material Plastic Plastic Annual Fee $49.00 $99.00 Base Rate 0.00% 1.00% Travel Rewards 0.00x 2.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 3% Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (15y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 80,000 Southwest Points Spend Requirement N/A $1,000 Timeline N/A 90 days …

Question 58

Amex Optima Card vs Southwest Rapid Rewards Premier Business Credit Card

Accepted Answer

Snapshot Amex Optima Card Southwest® Rapid Rewards® Premier Business Credit Card Issuer American Express Chase Network American Express Visa Card Material Plastic Plastic Annual Fee $49.00 $149.00 Base Rate 0.00% 1.00% Travel Rewards 0.00x 2.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 3% Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (15y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 80,000 Southwest Points Spend Requirement N/A $3,000 …

Question 59

Amex Optima Card vs Southwest Rapid Rewards Premier Credit Card

Accepted Answer

Snapshot Amex Optima Card Southwest Rapid Rewards® Premier Credit Card Issuer American Express Chase Network American Express Visa Card Material Plastic Plastic Annual Fee $49.00 $149.00 Base Rate 0.00% 1.00% Travel Rewards 0.00x 2.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 3% Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (15y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 85,000 Southwest Points Spend Requirement N/A $2,000 Timeline N/A 90 …

Question 60

Amex Optima Card vs Southwest Rapid Rewards Priority Credit Card

Accepted Answer

Snapshot Amex Optima Card Southwest Rapid Rewards® Priority Credit Card Issuer American Express Chase Network American Express Visa Card Material Plastic Plastic Annual Fee $49.00 $229.00 Effective: $154.00 • $75 Annual Southwest Travel Credit Base Rate 0.00% 1.00% Travel Rewards 0.00x 2.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 3% Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (8y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 90,000 …

Question 61

Amex Optima Card vs The Blue Business Plus Credit Card from American Express

Accepted Answer

Snapshot Amex Optima Card The Blue Business Plus Credit Card from American Express Issuer American Express American Express 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 Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% 2.7% Credit Reporting None None Product Lifecycle Active Active Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 15,000 Amex Points Spend Requirement N/A $3,000 …

Question 62

Amex Optima Card vs United Club℠ Business Card

Accepted Answer

Snapshot Amex Optima Card United Club℠ Business Card Issuer American Express Chase Network American Express Visa (Visa Infinite) Card Material Plastic Metal Annual Fee $49.00 $450.00 Base Rate 0.00% 1.00% Travel Rewards 0.00x 2.00x Authorized User Fee $0.00 $175.00 Foreign Transaction Fee 2.7% None Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (7y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 75,000 United Miles Spend Requirement N/A $5,000 Timeline N/A 90 days …

Question 63

Amex Optima Card vs United Club℠ Infinite Card

Accepted Answer

Snapshot Amex Optima Card United Club℠ Infinite Card Issuer American Express Chase Network American Express Visa (Visa Infinite) Card Material Plastic Metal Annual Fee $49.00 $695.00 Base Rate 0.00% 1.00% Travel Rewards 0.00x 2.00x Authorized User Fee $0.00 $175.00 Foreign Transaction Fee 2.7% None Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (4y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 80,000 United Miles Spend Requirement N/A $5,000 Timeline N/A 90 days …

Question 64

Amex Optima Card vs United Gateway℠ Credit Card

Accepted Answer

Snapshot Amex Optima Card United Gateway℠ Credit Card Issuer American Express Chase Network American Express Visa Card Material Plastic Plastic Annual Fee $49.00 $0.00 Base Rate 0.00% 1.00% Travel Rewards 0.00x 2.00x Authorized User Fee $0.00 $0.00 Foreign Transaction Fee 2.7% None Credit Reporting None Ex, Eq, Tu Product Lifecycle Active Available (6y ago) Minimum Credit Line N/A N/A Welcome Offer Bonus N/A 30,000 United Miles Spend Requirement N/A $1,000 Timeline N/A 90 days Efficiency Score …