American Express
In 1987
American Express introduced the Optima card, their first credit card product. Previously, all American Express cards had to be paid in full each month, but Optima allowed customers to carry a balance (the charge cards also now allow extended payment options on qualifying charges based on credit availability).
Although Optima is no longer heavily promoted, Optima and Optima
Platinum cards are still available on the American Express website.
Your Optima Card includes the choice to pay in full or over time,
transfer balances, and has no annual fee. (Membership Rewards)
http://www10.americanexpress.com/sif/cda/page/0,1641,16852,00.asp