American ExpressOptima® Credit CardRegistry illustration · issuer artwork unavailable
Optima® Credit CardAmerican Express · N bank, UT · FDIC 27471
CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | Not disclosedAmerican Express National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | “Prime Rate + 14.99% This is a variable APR. See Explanation of Variable Rates below.”American Express National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | p. 1 |
| APR for balance transfers | — | no source read | |
| APR for cash advances | — | no source read | |
| Penalty APRafter a late or returned payment | — | no source read | |
| Rate mechanics · Purchase | 14.99% | — | — |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | $49American Express National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | “$49”American Express National Bank · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | p. 1 |
| Transaction fees | |||
| Cash advance | — | no source read | |
| Balance transfer | — | no source read | |
| Foreign transaction | — | no source read | |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |