Ranked #223/225
Ranked #202/225

Snapshot

Amex Optima Card
Amex Optima Card
Centurion Card from American Express
Centurion Card from American Express
IssuerAmerican ExpressAmerican Express
NetworkAmerican ExpressAmerican Express
Card MaterialPlasticPlastic
Annual Fee$49.00$5000.00
Base Rate0.00%1.00%
Travel Rewards0.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee2.7%0%
LifecycleActiveActive

Welcome Offer

BonusNoneNone
Spend Requirement--
Timeline--

Rewards Breakdown

Base Rate0.0% (base)1.0% (base)
Purchases over $5k0.0% (base)1.5%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNone20 partners
Annual CreditsNoneNone

Transfer Partners

-1:1

Pricing Details

Purchase APR14.99% - 14.99%12.74% - 21.74%
Cash Advance APR28.74%28.74%
Penalty APR29.99%29.99%
Late Fee$40$40
Balance Transfer FeeN/AN/A

Insurance & Protections

Auto Rental--
Trip Cancellation Interruption--

Usability & Experience

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

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard

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