Amex: Optima and Optima Platin

Discussion in 'Credit Talk' started by Saar, Feb 12, 2001.

  1. Saar

    Saar Banned

    Seems like the balance transfer options these 2 cards offer aren't discussed a lot.

    All things considered, the Blue is better than both. But if you're mainly interested in balance transfer benefits, you may appreciate this:

    The Optima card offers a fixed 7.9% APR for the first 6 months of the balance;

    Thre Optima Platinum offers a fixed 8.9% for the LIFE of the balance.

    If you have any of Amex' lending products (not charge cards) and you pay over a long period of time, you're usually better off transfering your balance to another card, and then back to Optima or Optima Platinum: The balance transfer interest rate is better than these cards' normal APR.

    Please remember that the above refers to post-introductory APR's.

  2. Y.M.

    Y.M. Guest

    RE: Amex: Optima and Optima Pl

    After first six months,you cann't transfer balance to Amex cash rebate card.
  3. Geo

    Geo Well-Known Member

    RE: Amex: Optima and Optima Pl

    When I began to use my optima card (june2000)
    the introductory rate was 5.9 % for 6 months,
    there was not mention about balance transfer.

    Probably I had to ask about!

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