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Amex foreign transaction fee8/27/2023 ![]() Up to $200 as a statement credit toward prepaid The Hotel Collection (min.Up to $189 in statement credits toward your CLEAR® Plus membership each year.$100 Global Entry statement credit every 4 years or up to $85 TSA PreCheck credit every 4.5 years.No foreign transaction fees ( see rates and fees).Annual fee of $695 ( see rates and fees).Earn 2X points on prepaid car rentals through American Express Travel. ![]() Earn 5X points on eligible prepaid hotels booked through American Express Travel.Earn 5X points on flights booked with American Express Travel or directly with airlines (on up to $500,000 per year).Earn 80,000 Membership Rewards® Points by spending $6,000 on purchases in the first six months.Here is a list of our partners who offer products that we have affiliate links for. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. Second, we also include links to advertisers’ offers in some of our articles these “affiliate links” may generate income for our site when you click on them. This site does not include all companies or products available within the market. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. First, we provide paid placements to advertisers to present their offers. This compensation comes from two main sources. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. The Forbes Advisor editorial team is independent and objective. There’s no annual fee or foreign transaction fee, but the card charges a hefty 28.24% variable APR on purchases and balance transfers. What’s more, Discover offers Unlimited Cashback Match - Discover will automatically match all the cash back earned at the end of the first year. Plus, earn unlimited 1% cash back on all other purchases. The card offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. But if you use your card responsibly and practice good credit habits in general, you can get the deposit back as soon as seven months after approval. The Discover it® Secured Credit Card requires a security deposit of at least $200 to get approved. American Express Optima® Credit Card * vs. With that in mind, the card does charge a monthly fee of $2.99, which amounts to $35.88 annually, and it doesn’t offer rewards. And depending on your financial situation, you could qualify for a credit limit of up to $10,000. You’ll pay your monthly balance in full, which the card issuer will report to the three major credit bureaus. ![]() The Tomo Credit Card * is another solid alternative to the Optima Card because it doesn’t require a credit check or security deposit, and it doesn’t charge interest. However, there are some limitations on how much you can load to the account and spend. What’s more, there are no annual or foreign transaction fees, no interest charges, and you’ll earn a minimum of 2% cash back on every purchase you make. What makes the SuperCash card an excellent fit for people considering the Amex Optima Card is that it doesn’t require a credit check to get approved. But as you pay off your purchases each month, the card issuer reports your activity to the three major credit bureaus, helping you build credit. Like a prepaid debit card, you can only spend what you load onto your SuperCash account. The SuperCash card is a unique hybrid secured credit card. ![]()
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