Cards that
Define You.
From everyday cashback to elite travel rewards and metal cards reserved for high-net-worth members — optimanexgen has the card to match your lifestyle.
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Jonathan Sterling
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Virtual Ready
Card Portfolio
Find your perfect card.
Standard
Everyday
Free
Annual fee · 16.99% APR
“1% cashback on all purchases”
- Free instant virtual card
- 1% unlimited cashback
- Zero foreign transaction fees
- Real-time spend alerts
- Apple Pay & Google Pay
- Free ATM withdrawals (2/mo)
Premium
Signature
$99/yr
Annual fee · 14.99% APR
“2X points on dining & travel”
- Metal physical card
- 2X points dining & travel
- 1% cashback all else
- Priority Concierge 24/7
- $200 annual travel credit
- Lounge access (2 passes/yr)
Elite
Reserve
$499/yr
Annual fee · 12.99% APR
“4X points on all travel worldwide”
- Titanium card by invitation
- 4X points on all travel
- Unlimited lounge access
- Dedicated relationship banker
- $600 annual travel credit
- Zero FX fees globally
Reserve Card
The ultimate status symbol.
4X Travel Points
Earn 4 points per $1 on flights, hotels, and transport globally.
Unlimited Lounge Access
Over 1,400 airport lounges worldwide via Priority Pass membership.
Zero FX Fees
Spend in any currency anywhere in the world with no conversion markup.
Travel Insurance
Comprehensive trip cancellation, lost baggage, and medical coverage.
Ready to carry something exceptional?
Apply in under 60 seconds. Instant decision. Soft credit pull only.
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