Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.
Available exclusively by invitation, this card is designed to help improve your credit and is only offered if you’ve defaulted and settled your balance on another Amex card. You won’t find any rewards, perks, or special benefits, and it comes with a $49 annual fee.
American Express is a Credit Card Insider advertiser.
American Express has several card types depending on your needs.
You can usually pay your bill online on yourCredit card issuer's website
1-800-528-4800 orTry a different phone number
Little is known about the Amex Optima card, but we do know a few things.
You’ll need an invite in order to apply, yet not for the reason you may think. It’s often referred to as the Amex Second Chance card because you can only get an invite after you’ve defaulted or become delinquent on payments. Consumers report the invite is offered in return for settling the balance, and if you use it responsibly you may become eligible for other American Express cards.
Because it’s a subpar card offered to help you get your credit back in line, there are no spending rewards and probably just one or two security benefits. It’s unlikely you’ll find many extra Amex features.
This card has an annual fee of $49.