Optima Cards (American Express)

20 ratings (20 Epinions reviews)
Epinions Product Rating: Very Good
5 stars
9
4 stars
4
3 stars
2
2 stars
2
1 star
3
Share This!
  Ask friends for feedback

    Highest Rated Consumer Review by the Community

  • AMEX Optima Card : My Credit Horror Story with This Entry Level Card

    Feb 8, 2001 by
    Rated a Very Helpful Review
    Pros: It's a credit card.
    Cons: unorganized system, rude customer service reps

    Summary: This comment was originally written on Feb. 8, 2001. I now have a different AMEX card, and enjoy their service much. Update is at the very bottom. My credit horror story started with American Express Optima Card. Ch 1: ... read more

  • Worst Customer Service

    Jun 9, 2004 by
    Rated a Helpful Review
    Pros: Customer rep picks up the phone promptly.
    Cons: Rude customer rep. Answers are not to your requirements.Reps hang down on you.

    Summary: Credit-cards are great to use till you see an unwanted transaction or a question you have for the customer-rep. That's when the quality of the credit-card providing company begins.. and that's the time when you need them the most. At least an answer that ... read more

  • Nothing More than a Total DISAPPOINTMENT

    Nov 19, 2001 by
    Rated a Very Helpful Review
    Pros: It's credit. Nothing more, nothing less
    Cons: Let me count the ways!

    Summary: I used to work for American Express Optima customer service. I was trained to provide first class customer service, and that I did. In learning all about this card, my initial thought was, this card is great, this company is great, I've got to have ... read more

  • Bad experience with this card.

    Feb 4, 2001 by
    Rated a Very Helpful Review
    Pros: not one that I can think of.
    Cons: Horrible customer service.

    Summary: I applied for a different American Express card summer of 2000 but was approved for the Optima Student card. We were planning to leave on our honeymoon in August of 2000 and wanted a card to take with us just in case of emergencies. I had applied with ... read more

  • So much For FRAUD PROTECTION!

    Dec 4, 2000 by
    Rated a Very Helpful Review
    Pros: 30 day Grace period
    Cons: FRAUD PROTECTION IS NOT THEREAS IT SHOULD BE

    Summary: I was a customer for 6 years. Had excellent credit with the company always paid on time honored my commitment. However decided to cancel my credit card when discovered this company was not as dedicated to me as I was to ... read more

  • Do not get this card. Get ANYTHING else. Anything...

    Oct 26, 2000 by
    Rated a Very Helpful Review
    Pros: none
    Cons: everything

    Summary: I will rant for a while and you can probably quite easily distil what my own experience with American Express was: I will preface this with the statement: American Express is not a credit card service--optima or otherwise--NOT a credit card. ... read more

  • Optima Cashback - Amex Service at low cost

    Sep 24, 2000 by
    Rated a Very Helpful Review
    Pros: Statement quality, cashback
    Cons: Website not as good as the rest of the service

    Summary: This review concerns the American Express Optima Platinum cashback card. I have had the card for almost two years and it quickly became my primary card. The most obvious reason is the cashback which is not the most generous around unless you spend a lot. ... read more

  • AMEX IS THE BEST!

    Jul 18, 2000 by
    Rated a Very Helpful Review
    Pros: low rate, great customer service. great security
    Cons: none

    Summary: I first opened an account with American Express in July 1999. It was one of the best choices I made. I was then approved for the Optima Platinum. It was the creme de la creme of status. The customer service was great. One time I took the free ... read more

  • Amex Optima "Starting Out and Starting Over" Card (Secured)

    Jul 16, 2000 by
    Rated a Very Helpful Review
    Pros: Amex international service; excellent for T&E
    Cons: byzantine computer, authorizations systems; conflicting info from Amex staff; heavy handed security on this account type

    Summary: I would highly recommend the American Express Optima "Starting Out and Starting Over" card, but with several important caveats. First, the card does let one avail themselves of Amex's vaunted travel assistance network, and for travel ... read more

  • OPTIMA-L Customer Service

    Jul 9, 2000 by
    Rated a Very Helpful Review
    Pros: Great Customer Service
    Cons: Not as many merchants as Visa/MC

    Summary: American Express Optima Card that I carry has won me over. I recently had to cancel a hotel reservation; I canceled it more than 2 weeks prior to arrival (24 hour cancellation required). The hotel billed my Optima Card anyway; needless to say ... read more

  • I only wish it were as popular as Visa

    Jun 5, 2000 by
    Rated a Very Helpful Review
    Pros: Great customer service and online cardholder services
    Cons: Not as popular as Visa/Mastercard

    Summary: When I first began thinking about getting my first credit card, I turned to my father for advice. He suggested I get both an American Express card and a Visa. Why two? Basically, American Express is the better of the two but Visa is a lot more ... read more

  • This Student Card Actually Treats Students Fairly (Updated 3/21/01)

    Apr 3, 2000 by
    Rated a Very Helpful Review
    Pros: Liberal lending policy to students, great travel program
    Cons: High standard APR

    Summary: Important - Student Optima card changed to "Blue for Students" As of the beginning of March, American Express has converted all student credit card accounts to Blue for Students. The lower rate for purchases over $200 has ... read more

  • Gotta love the OPTIMA!

    Feb 16, 2000 by
    Rated a Very Helpful Review
    Pros: NO ANNUAL FEE
    Cons: Not as widely accepted as VISA

    Summary: The main reason I chose this card is it's NO ANNUAL fee and LOW APR--a combination difficult to find in todays credit-loving world. Their customer service is great, though I've only had a few occasions to call mainly for inquiry purposes. I've never had ... read more

  • Excellent service, good job

    Feb 11, 2000 by
    Rated a Very Helpful Review
    Pros: I applied over the phone...
    Cons: The card was mailed to me in 3 days. Great!

    Summary: I like American Express. I have been an AMEX Canada customer for 3 years. Recently I started a job in US. Shortly after I settled I applied for a US credit card. American Express was first in my list. Before filling an application form I ... read more

  • A reliable card

    Jan 28, 2000 by
    Rated a Very Helpful Review
    Pros: no annual fee
    Cons: not accepted at all locations

    Summary: I am American Express Optima Card Holder and I am so satisfied with this card that I have not bothered to apply for any other card. I had an Amex Blue card before I came to US and once I came here, they transferred it to an Optima ... read more

  • The Optima is Excellent!

    Jan 22, 2000 by
    Rated a Very Helpful Review
    Pros: No annual fee, don't need a credit history to be accepted, good customer service
    Cons: Not accepted at all locations

    Summary: The Optima is an American Express rarity -- a good card with no annual fee. You get all the standards of excellence that American Express is associated with, and don't have to pay an annual fee. Why is this card so good? Access ... read more

  • Must Have Credit Card Select Places

    Jan 20, 2000 by
    Rated a Helpful Review
    Pros: Free Balance Transfers Without Any Fees
    Cons: None

    Summary: I find the American Express Optima card a must for anyone for certain stores. For example, Costco's now accepts American Express Optima which helps me out since most of my other credit cards are MasterCard and Visa which Costco's doe not yet accept. I ... read more

  • General of credit cards!

    Jan 18, 2000 by
    Rated a Very Helpful Review
    Pros: High credit line, great service!
    Cons: Not as widely accepted as VISA and Master

    Summary: American Express was once the other name of cards. Despite the great success of VISA and Master, American Express is still one of the best cards to have! Unlike VISA and Master, AE is itself the only card issuer, that's why they can guarantee their ... read more

  • Optimum for Introductory Rates

    Jan 17, 2000 by
    Rated a Very Helpful Review
    Pros: Generous Intro Deals, Customer oriented
    Cons: High APR at end of intro

    Summary: I've had cards with at least 7 banks in the past year, and so I've rated each of these against each other based on their introductory rate, standard rate, fees, and how customer oriented the bank is. I've been paying off a big chunk of debt that my wife ... read more

  • Leave home without it? I don't.

    Jan 17, 2000 by
    Rated a Very Helpful Review
    Pros: Keeps your info private without much hassle, great travel perks
    Cons: APR is a little higher than some bargain cards

    Summary: American Express is a solid company that knows how to deal with customers and merchants. The Optima card is a credit card from American Express that has the option to hold a balance with financing. Regular American Express charge cards offer unlimited ... read more

Showing 1-20 of 20 reviews
 


Related Deals You Might Like...

4' X 4' Floor Scale Ramp For Use With Optima Floor Scale Applications

4' X 4' Floor Scale Ramp For Use With Optima Floor Scale Applications

4' x 4' FLOOR SCALE RAMP FOR USE WITH OPTIMA FLOOR SCALE SYSTEMS NEW !! Brand New 4' x 4' Optima Floor Scale Ramp NEW !!!!! (PLEASE NOTE : This floor ...
eBay
OptiMA 9x12 Student Dry Erase Lap Boards (12 Pack)

OptiMA 9x12 Student Dry Erase Lap Boards (12 Pack)

9 x 12 White single sided student lapboards made in the U.S.A. Packed 12 boards per pack and shipped by .This convenient 12 Pack is available exclusiv...
Sears
Studio Designs Optima Art Tray Multicolor - 18694

Studio Designs Optima Art Tray Multicolor - 18694

Shop for Craft Storages and Organizers from Hayneedle.com! Those who love to paint at their wood top drafting table will love the convenience of the S...
Hayneedle

$25.99

+$5.99 shipping
Optima Op-900a Ntep(5000 Division) Indicator Mild Steel W Adapter & Battery

Optima Op-900a Ntep(5000 Division) Indicator Mild Steel W Adapter & Battery

OP-900A OPTIMA MILD STEEL INDICATOR WITH AC ADAPTER RECHARGEABLE BATTERY NEW !! Brand New Optima OP-900A Mild Steel Indicator with LED Display !!! Inc...
eBay

$160.00

FREE Shipping
Studio Designs Optima Art Tray Multicolor - 18694

Studio Designs Optima Art Tray Multicolor - 18694

Shop for Craft Storages and Organizers from Hayneedle.com! Those who love to paint at their wood top drafting table will love the convenience of the S...
Hayneedle

$25.99

+$5.99 shipping
Balt Optional Shelf For Optima GM & EM Cart 34724

Balt Optional Shelf For Optima GM & EM Cart 34724

Balt 34724 Features: -Height-adjustable side shelf.-TAA compliant.-Color: White.-Product Type: Accessory Shelf.Dimensions: -Overall Product Weight: 12...
Wayfair Supply

$64.00

FREE Shipping
5' X 4' Floor Scale Ramp For Use With Optima Floor Scale Applications

5' X 4' Floor Scale Ramp For Use With Optima Floor Scale Applications

5' x 4' FLOOR SCALE RAMP FOR USE WITH OPTIMA FLOOR SCALE SYSTEMS NEW !! Brand New 5' x 4' Optima Floor Scale Ramp NEW !!!!! (PLEASE NOTE : This floor ...
eBay
Wilson Adult Optima Shin Guards - soccer team express equipment protective

Wilson Adult Optima Shin Guards - soccer team express equipment protective

Carbon fiber design provides durable protection. Detachable ankle supports allow player the option of added protection or maximum mobility. High-impac...
Soccer Team Express
Optima Gold Certificate Paper W/ Gold Seals (gcb039)

Optima Gold Certificate Paper W/ Gold Seals (gcb039)

Untitled Document eBay Store | Store Policies | Stock Availability | Payments Checkout | Returns Policy | FAQ Optima Gold Certificate Paper w/ Gold Se...
eBay

$49.99

+$8.99 shipping
Optima Green Certificate Paper W/ Gold Seals (gcb392)

Optima Green Certificate Paper W/ Gold Seals (gcb392)

Optima Green Certificate Paper w/ Gold Seals (GCB392) Create a certificate to recognize a job well done, with high-quality printable certificates! Not...
eBay

$49.99

+$8.99 shipping