Snapshot

Amex Optima Card
Amex Optima Card
More Rewards American Express Card
More Rewards American Express Card
IssuerAmerican ExpressNavy Federal Credit Union
NetworkAmerican ExpressAmerican Express
Card MaterialPlasticPlastic
Annual Fee$49.00$0.00
Base Rate0.00%1.00%
Travel Rewards0.00x0.00x
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)
Supermarkets0.0% (base)3.0%
Gas Stations0.0% (base)3.0%
Transit & Rideshare0.0% (base)3.0%
Restaurants0.0% (base)3.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR14.99% - 14.99%14.9% - 18%
Cash Advance APR28.74%16.9%
Penalty APR29.99%N/A
Late Fee$40$20
Balance Transfer FeeN/Aundefined% (min $0)

Insurance & Protections

Auto RentalSecondary
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