Snapshot

Amex Optima Card
Amex Optima Card
CitiBusiness / AAdvantage Platinum Select Mastercard
CitiBusiness / AAdvantage Platinum Select Mastercard
IssuerAmerican ExpressCiti
NetworkAmerican ExpressMastercard
Card MaterialPlasticPlastic
Annual Fee$49.00$99.00
Base Rate0.00%1.00%
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)1.0% (base)
Travel0.0% (base)2.0%
Gas Stations0.0% (base)2.0%
Telecommunications0.0% (base)2.0%
Airline0.0% (base)2.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR14.99% - 14.99%21.24% - 29.99%
Cash Advance APR28.74%29.99%
Penalty APR29.99%29.99%
Late Fee$40$41
Balance Transfer FeeN/Aundefined% (min $0)

Insurance & Protections

Auto RentalPrimary (when renting for business purposes)
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