Amex Optima v. Amex Everyday

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
6 posts
Callmedory
Gold Member
Gold Member
 
Posts: 43
Joined: Wed Dec 25, 2013 7:35 pm
Location: California

Amex Optima v. Amex Everyday

Postby Callmedory » Fri Aug 26, 2016 3:03 pm

We’ve had an Optima card for years (the no-annual-fee version). Now I get a notice that they’re changing it to an Amex Everyday Credit Card. Tbh, we haven’t used it much at all lately.

Is this good? Bad? No real difference? It says the new card will have the same account number, terms, payment due date, credit line, interest rate, and Rewards account. So what’s different? Or are they just closing out that version of Optima?


Tubpbs
Centurion Member
Centurion Member
 
Posts: 827
Joined: Mon Oct 19, 2015 2:08 pm

Re: Amex Optima v. Amex Everyday

Postby Tubpbs » Sat Aug 27, 2016 3:39 pm

Callmedory wrote:We’ve had an Optima card for years (the no-annual-fee version). Now I get a notice that they’re changing it to an Amex Everyday Credit Card. Tbh, we haven’t used it much at all lately.

Is this good? Bad? No real difference? It says the new card will have the same account number, terms, payment due date, credit line, interest rate, and Rewards account. So what’s different? Or are they just closing out that version of Optima?


Does your Optima card earn rewards? Even if the answer is yes, you'll likely be significantly better off with the Everyday card, if all else remains unchanged.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 3743
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: Amex Optima v. Amex Everyday

Postby CarefulBuilder14 » Sat Aug 27, 2016 4:42 pm

Tubpbs wrote:
Callmedory wrote:We’ve had an Optima card for years (the no-annual-fee version). Now I get a notice that they’re changing it to an Amex Everyday Credit Card. Tbh, we haven’t used it much at all lately.

Is this good? Bad? No real difference? It says the new card will have the same account number, terms, payment due date, credit line, interest rate, and Rewards account. So what’s different? Or are they just closing out that version of Optima?


Does your Optima card earn rewards? Even if the answer is yes, you'll likely be significantly better off with the Everyday card, if all else remains unchanged.

The Optima is an MR-based card (and not to be confused with the rebuilder card Optima Oasis). I don't know the earn rate, though.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

Callmedory
Gold Member
Gold Member
 
Posts: 43
Joined: Wed Dec 25, 2013 7:35 pm
Location: California

Re: Amex Optima v. Amex Everyday

Postby Callmedory » Sat Aug 27, 2016 5:00 pm

Everything the same, it appears, except the name.

We use our CSP and Costco Citi cards more. Fortunately, my USAA Visa is our oldest card, that's not going anywhere--they recently upped that from MC to Visa.

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 3743
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Re: Amex Optima v. Amex Everyday

Postby CarefulBuilder14 » Sat Aug 27, 2016 5:10 pm

Callmedory wrote:Everything the same, it appears, except the name.

We use our CSP and Costco Citi cards more. Fortunately, my USAA Visa is our oldest card, that's not going anywhere--they recently upped that from MC to Visa.

Does Optima have 2x on groceries, or the 20% bonus? I had the impression is was a 1x on everything card.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

takeshi
Centurion Member
Centurion Member
 
Posts: 1733
Joined: Wed Jun 05, 2013 3:12 pm
Location: US

Re: Amex Optima v. Amex Everyday

Postby takeshi » Mon Aug 29, 2016 2:06 pm

Callmedory wrote:my USAA Visa is our oldest card, that's not going anywhere--they recently upped that from MC to Visa.

That's really more of a sidestep than up.



Return to “American Express”

Who is online

Users browsing this forum: No registered users and 1 guest