Snapshot

Amex Optima Card
Amex Optima Card
 Platinum Rewards Visa Signature Card
Platinum Rewards Visa Signature Card
IssuerAmerican ExpressPenFed Credit Union
NetworkAmerican ExpressVisa
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)
Gas Stations0.0% (base)5.0%
Supermarkets0.0% (base)3.0%
Restaurants0.0% (base)3.0%
Telecommunications0.0% (base)3.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR14.99% - 14.99%17.99% - 17.99%
Cash Advance APR28.74%17.99%
Penalty APR29.99%N/A
Late Fee$40$29
Balance Transfer FeeN/Aundefined% (min $0)

Insurance & Protections

Auto Rental—Secondary
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