Platinum (Schwab) vs United Club
Platinum (Schwab)
$895/yr
5.5/10
VS
United Club
$695/yr
5.5/10
Quick Answer
Platinum (Schwab) charges $895/yr with 1X base rewards. United Club charges $695/yr with 1X base rewards. United Club 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
United Club
Lower annual fee ($895 vs $695)
Rewards Earning
Platinum (Schwab)
3 earning categories
Benefits & Protection
Platinum (Schwab)
0 benefits vs 0
Statement Credits
Platinum (Schwab)
$1439 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
United Club wins for most people
The $200 fee difference is hard to justify unless you maximize premium benefits.
Apply for United ClubPREMIUM 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
Platinum (Schwab)
| Flights (Amex Travel) | 5.0X |
| Hotels (Amex Travel) | 5.0X |
| Everything else | 1.0X |
United Club
| United Airlines purchases | 2.0X |
| Everything else | 1.5X |