American Express Platinum or American Express Platinum (Charles Schwab)?

American Express Platinum returns $2,109 over its fee and American Express Platinum (Charles Schwab) returns $2,079, so the fee difference comes down to which categories you use.

American Express PlatinumAmerican Express · $895 fee · 12 credits

American Express Platinum (Charles Schwab)American Express · $895 fee · 11 credits

NET VALUE+$2,109$3,004 credits

NET VALUE+$2,079$2,974 credits

CATEGORY	PLATINUM	PLATINUM (CHARLES SCHWAB)
🌎Travel	$1,019	$1,019
✨Lifestyle	$955	$955
🍽️Food & Dining	$580	$580
🎭Entertainment & Media	$300	$300
🚗Transportation	$300	$300
Lounge Access	Centurion Lounge Access Delta Sky Club Access Priority Pass Select (No Restaurants)	—
Total credits	$3,004	$2,974
Annual fee	$895	$895
Net value	+$2,109	+$2,079

BEST NET VALUE

AMERICAN EXPRESSAmerican Express Platinum

FEE$895

CREDITS$3,004

NET+$2,109

Category wins0 of 5

ADDITIONAL BENEFITS

LOUNGE ACCESS

Centurion Lounge Access

Delta Sky Club Access

Priority Pass Select (No Restaurants)

AMERICAN EXPRESSAmerican Express Platinum (Charles Schwab)

FEE$895

CREDITS$2,974

NET+$2,079

Category wins0 of 5

Where to use each card

AMEX PLATINUM

🍽️

Resy Credit Restaurants10830 LOCATIONS

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🏨

Amex FHR + The Hotel Collection3428 LOCATIONS

Browse →

🛫

Airport Lounges48 LOCATIONS

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AMEX PLATINUM (CHARLES SCHWAB)

🍽️

Resy Credit Restaurants10830 LOCATIONS

Browse →

🏨

Amex FHR + The Hotel Collection3428 LOCATIONS

Browse →

🛫

Airport Lounges48 LOCATIONS

Browse →

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Frequently asked questions

Which is better, American Express Platinum or American Express Platinum (Charles Schwab)?

The American Express Platinum is better with $2,109 net annual value compared to the American Express Platinum (Charles Schwab) at $2,079. The American Express Platinum wins by $30/year.

What's the difference between American Express Platinum and American Express Platinum (Charles Schwab)?

The key differences: American Express Platinum (Charles Schwab) has a $895 annual fee and $3,004 in annual benefits, while American Express Platinum has a $895 annual fee and $2,974 in annual benefits.

Is the American Express Platinum worth it compared to the American Express Platinum (Charles Schwab)?

Yes, the American Express Platinum offers better value with $2,109 net annual value compared to $2,079 for the American Express Platinum (Charles Schwab). It also has a similar annual fee.

Should I get the American Express Platinum?

If you're deciding between the American Express Platinum and American Express Platinum (Charles Schwab), the American Express Platinum is the better choice with $2,109 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.