Amex optima/oasis program4/26/2023 The Card has a 25 day grace period, and the option to pay over time. The Card has no annual fee, and comes with a competitive 0.00% APR for the first 6 months of cardmembership, and then prime plus 6.00%. The Optima Platinum Card offers some of American Express' most extraordinary benefits. So if you need to borrow money while you’re building your credit history, then you. In other words, you basically have to pre-pay your purchases. The only downside is that a secured card’s spending limit usually equals the amount of the refundable security deposit you have to place to get one.
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