Ranked #223/225
Ranked #101/225

Snapshot

Amex Optima Card
Amex Optima Card
Bank of America Premium Rewards Elite
Bank of America Premium Rewards Elite
IssuerAmerican ExpressBank of America
NetworkAmerican ExpressVisa
Card MaterialPlasticMetal
Annual Fee$49.00$550.00
Base Rate0.00%1.50%
Travel Rewards0.00x2.00x
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)1.5% (base)
Travel0.0% (base)2.0%
Restaurants0.0% (base)2.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR14.99% - 14.99%21.24% - 28.24%
Cash Advance APR28.74%29.99%
Penalty APR29.99%29.99%
Late Fee$40$40
Balance Transfer FeeN/Aundefined% (min $0)

Insurance & Protections

Auto Rental-Yes
Baggage Delay-Yes
Baggage Loss-Yes
Cell Phone Protection--
Extended Warranty-Yes
Purchase Protection-90 days
Return Protection-90 days
Trip Cancellation Interruption-Yes
Trip Delay-Yes
Tsa Precheck Global Entry-Up to $100

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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