Ranked #223/225
Ranked #2/225

Snapshot

Amex Optima Card
Amex Optima Card
IHG One Rewards Premier Credit Card
IHG One Rewards Premier Credit Card
IssuerAmerican ExpressChase
NetworkAmerican ExpressMastercard
Card MaterialPlasticPlastic
Annual Fee$49.00$99.00
Base Rate0.00%3.00%
Travel Rewards0.00x5.00x
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)3.0% (base)
Hotels0.0% (base)26.0%
Travel0.0% (base)5.0%
Restaurants0.0% (base)5.0%
Gas Stations0.0% (base)5.0%
Anniversary BonusNone[object Object]
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR14.99% - 14.99%12.49% - 21.49%
Cash Advance APR28.74%21.74%
Penalty APR29.99%23.24%
Late Fee$40$40
Balance Transfer FeeN/Aundefined% (min $0)

Insurance & Protections

Auto Rental-Yes
Baggage Delay--
Baggage Loss--
Cell Phone Protection--
Extended Warranty-Yes
Purchase Protection-120 days
Return Protection--
Trip Cancellation Interruption--
Trip Delay--
Tsa Precheck Global Entry-Yes

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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