Is the American Express Platinum (Charles Schwab) worth it?
11 credits worth $2,974 at face value against a $895 fee. Turn off what you won’t use and the number at the bottom is your answer.
YOUR CARD
YOUR FEE
$895
Statement and merchant credits11 OF 11 ON
SET ALL TOThen change any row.
Airline Fee Credit$200 / Calendar Year face
$/yr
Lodging Credit$300 / Every 6 Months face
$/yr
Uber Credit$15 / Monthly face
$/yr
Uber One Membership Credit$120 / Calendar Year face
$/yr
Digital Entertainment Credit$25 / Monthly face
$/yr
Walmart+ Subscription Credit$13 / Monthly face
$/yr
Lululemon Credit$75 / Quarterly face
$/yr
Equinox Credit$300 / Calendar Year face
$/yr
Oura Ring Credit$200 / Calendar Year face
$/yr
Clear Plus Credit$219 / Calendar Year face
$/yr
Resy Dining Credit$100 / Quarterly face
$/yr
Credits subtotal$2,677/yr
YOUR VERDICT
Credits at your values$2,677
Annual fee−$895
You come out ahead by$1,782
299% RETURN ON THE FEE
HOW YOU GOT HEREEverything set to 90% of face.