Question 1

Which is better, American Express Platinum (Charles Schwab) or IHG One Rewards Premier Select Credit Card?

Accepted Answer

The American Express Platinum (Charles Schwab) is better with $2,081 net annual value compared to the IHG One Rewards Premier Select Credit Card at $30. The American Express Platinum (Charles Schwab) wins by $2,051/year.

Question 2

What's the difference between American Express Platinum (Charles Schwab) and IHG One Rewards Premier Select Credit Card?

Accepted Answer

The key differences: American Express Platinum (Charles Schwab) has a $895 annual fee and $2,976 in annual benefits, while IHG One Rewards Premier Select Credit Card has a $350 annual fee and $380 in annual benefits. The annual fee difference is $545.

Question 3

Which has a lower annual fee, American Express Platinum (Charles Schwab) or IHG One Rewards Premier Select Credit Card?

Accepted Answer

The IHG One Rewards Premier Select Credit Card has a lower annual fee at $350 compared to the American Express Platinum (Charles Schwab) at $895. However, the American Express Platinum (Charles Schwab) offers $2,976 in total annual benefits.

Question 4

Is the American Express Platinum (Charles Schwab) worth it compared to the IHG One Rewards Premier Select Credit Card?

Accepted Answer

Yes, the American Express Platinum (Charles Schwab) offers better value with $2,081 net annual value compared to $30 for the IHG One Rewards Premier Select Credit Card. Even though it has a higher annual fee ($895 vs $350), the American Express Platinum (Charles Schwab) provides more total benefits.

Question 5

Amex vs Chase: which issuer is better?

Accepted Answer

For these specific cards, Amex's American Express Platinum (Charles Schwab) offers better value with $2,081 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Question 6

Which card is better for lifestyle?

Accepted Answer

The American Express Platinum (Charles Schwab) is better for lifestyle with $967 in annual lifestyle benefits compared to $0 for the IHG One Rewards Premier Select Credit Card.

Question 7

Should I get the American Express Platinum (Charles Schwab)?

Accepted Answer

If you're deciding between the American Express Platinum (Charles Schwab) and IHG One Rewards Premier Select Credit Card, the American Express Platinum (Charles Schwab) is the better choice with $2,081 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.

CATEGORY	PLATINUM (CHARLES SCHWAB)	IHG ONE REWARDS PREMIER SELECT CREDIT CARD
🌎Travel	$1,009	$350
✨Lifestyle	$967	—
🍽️Food & Dining	$580	—
🎭Entertainment & Media	$300	—
🚗Transportation	$300	—
Hotel Free Night Certificates	—	IHG 60k Free Night
Total credits	$2,976	$380
Annual fee	$895	$350
Net value	+$2,081	+$30

American Express Platinum (Charles Schwab) or IHG One Rewards Premier Select Credit Card?

Where to use each card

Frequently asked questions