While the American Express Optima has not been available to new applicants since 2009, there is a chance that American Express will eventually re-open enrollment. There are two different versions of the American Express Optima credit card. The American Express Optima Platinum comes with more benefits, but both cards offer many of the same features.
The American Express Optima credit card was the very first credit card offered by American Express. Instead of having to pay down your total balance on a monthly basis, cardholders can pay the minimum amount due. American Express has several charge cards that are not to be confused with their various classes of credit cards.
American Express Optima Stipulations
The American Express Optima credit card is still used by thousands of customers; however, it is believed that American Express is slowly phased out. Since closing applications for the American Express Optima to new customers, several other programs designed to entice new consumers have been introduced.
If you have the American Express Optima, you will need to continue to make your payments on time in order to keep your account in good standing. Since American Express is regularly converting American Express Optima credit cardholders to different accounts, it is easy to have your account closed for making late payments. Like other reward credit cards offered by American Express, the American Express Optima is associated with the Membership Rewards Express Program.
American Express Optima Alternatives
Since this personal credit card is no longer available, interested consumers should find out what other credit cards American Express has. The Blue Cash Everyday from American Express does not have stringent credit requirements and can be used to rack up points. Many consumers still go for the traditional American Express Green Card because of its prestige.
If you are interested in travel credit cards, you might want to apply for the JetBlue Card from American Express. Book your flights with JetBlue and earn points for charging it on your American Express credit card.
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