Platinum vs Platinum (Schwab)
Platinum
$895/yr
7.0/10
VS
Platinum (Schwab)
$895/yr
5.5/10
Quick Answer
Platinum charges $895/yr with 1X base rewards. Platinum (Schwab) charges $895/yr with 1X base rewards. Platinum offers a slight edge depending on your spending when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Platinum
Lower annual fee ($895 vs $895)
Rewards Earning
Platinum
3 earning categories
Benefits & Protection
Platinum
9 benefits vs 0
Statement Credits
Platinum (Schwab)
$1439 in annual credits
Flexibility
Platinum
Transferable points to airline/hotel partners
PREMIUM PICK
Platinum (Schwab) is a strong alternative
Competitive features make it worth considering.
Apply for Platinum (Schwab)Rewards Earning: Detailed Comparison
Platinum
| Flights booked directly or via Amex Travel | 5.0X |
| Hotels via Amex Travel | 5.0X |
| Everything else | 1.0X |
Platinum (Schwab)
| Flights (Amex Travel) | 5.0X |
| Hotels (Amex Travel) | 5.0X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Platinum (9 benefits)
- Trip Cancellation/Interruption Insurance (up to $10,000)
- Baggage Insurance Plan (up to $3,000)
- Premium Car Rental Protection
- Purchase Protection (up to $10,000)
- Extended Warranty
- Return Protection (up to $300)
- Centurion Lounge + Priority Pass + Airline Lounges
- Global Entry/TSA PreCheck Fee Credit (up to $120)
- Hotel Elite Status
Platinum (Schwab) (0 benefits)
See full review for benefits details.