Blue Cash Everyday vs Platinum (Schwab)
Blue Cash Everyday
$0/yr
7.0/10
VS
Platinum (Schwab)
$895/yr
5.5/10
Quick Answer
Blue Cash Everyday charges no annual fee with 1X base rewards. Platinum (Schwab) charges $895/yr with 1X base rewards. Blue Cash Everyday offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Blue Cash Everyday
Lower annual fee ($0 vs $895)
Rewards Earning
Blue Cash Everyday
4 earning categories
Benefits & Protection
Blue Cash Everyday
0 benefits vs 0
Statement Credits
Platinum (Schwab)
$1439 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Blue Cash Everyday wins for most people
The $895 fee difference is hard to justify unless you maximize premium benefits.
Apply for Blue Cash EverydayPREMIUM PICK
Platinum (Schwab) wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Platinum (Schwab)Rewards Earning: Detailed Comparison
Blue Cash Everyday
| US supermarkets | 3.0X (up to $6,000) |
| US online retail purchases | 3.0X (up to $6,000) |
| US gas stations | 3.0X (up to $6,000) |
| Everything else | 1.0X |
Platinum (Schwab)
| Flights (Amex Travel) | 5.0X |
| Hotels (Amex Travel) | 5.0X |
| Everything else | 1.0X |