Snapshot

Amex Optima Card
Amex Optima Card
Platinum Plus Mastercard Business card
Platinum Plus Mastercard Business card
IssuerAmerican ExpressBank of America
NetworkAmerican ExpressMastercard
Card MaterialPlasticPlastic
Annual Fee$49.00$0.00
Base Rate0.00%0.00%
Travel Rewards0.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee2.7%3%
LifecycleActiveAvailable

Welcome Offer

BonusNoneNone
Spend Requirement
Timeline

Rewards Breakdown

Base Rate0.0% (base)0.0% (base)
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR14.99% - 14.99%16.49% - 26.49%
Cash Advance APR28.74%29.99%
Penalty APR29.99%29.99%
Late Fee$40$49
Balance Transfer FeeN/Aundefined% (min $0)

Insurance & Protections

Auto Rental
Baggage Delay
Baggage Loss
Cell Phone Protection
Extended Warranty
Purchase Protection
Return Protection
Trip Cancellation Interruption
Trip Delay
Tsa Precheck Global Entry

Usability & Experience

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

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard