The Platinum Card® from American Express for Schwab  ⓘ $786 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25
Click to learn about first year value estimates 80K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 80K after $8K spend in first 6 months. Terms apply. $695 Annual Fee Click here to learn how to apply This is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler This card is only available to clients that maintain an eligible Schwab brokerage account. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 125K points after $8K spend [Expired 6/12/25] Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel ✦ 5X points for prepaid hotels booked through American Express Travel Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees. Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus: ✦ Use Membership Rewards® points for deposits by Schwab to your eligible brokerage account. (For example, 10,000 points = $110) ✦ $100 credit with Schwab holdings of $250,000+ or $200 credit with holdings of $1,000,000+ on approval & each year. Application Tips
Amex Application Tips
- Safe to Apply: Amex is the safest bank for trying your luck at earning a new welcome bonus offer. They don’t usually issue a hard pull when denying your application, and if you already have an Amex card, they won't usually issue a hard pull when approved for another one. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.
- Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from earning a welcome bonus offer for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.
- 90 Day Rule: You can get at most two credit cards within 90 days. This rule does not apply to Pay Over Time (charge) cards. You can only get the same card once every 90 days.
- 5 credit card max: Amex usually won't approve applications for new credit cards if you already have 5 or more Amex credit cards or 10 or more charge cards.
- Better Offers: You may be able to get a better offer than the best available public offer. Details here.
- Hard inquiries combine into 1 when approved same day
Check application status here.
If denied, call reconsideration: (800) 567-1083)
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Related Cards (Amex Membership Rewards)
| Card Offer |
 ⓘ $2259 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25
Click to learn about first year value estimates As high as 175K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer As high as 175K points after $8K spend in 6 months. Welcome offers vary and you may not be eligible for an offer. Terms apply. Rates & Fees$695 Annual FeeRecent better offer: 175K points after $8K spend in 6 months. FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more. |
![](//cdn.nextinsure.com/imaging/opt/9f9fa454-a6e1-41eb-8c7c-3d13bcbcb984.png?w=300" alt="The Business Platinum Card® from American Express" />) ⓘ $1738 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $200 Hilton credit ($50 per quarter) valued at $150, $120 wireless credit ($10 per month) valued at $90, $150 Dell credit valued at $37.5
Click to learn about first year value estimates 150K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 150K points after $20K spend in the first 3 months. Terms apply. ( Rates & Fees) $695 Annual FeeRecent better offer: 250K after $20K spend expired 2/10/25 |
 ⓘ $1307 1st Yr Value Estimate$120 Dining credit ($10 per month) valued at $30, $100 Resy credit ($50 per six months) valued at $85, $120 Uber credit ($10 per month) valued at $60
Click to learn about first year value estimates As high as 100K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer As high as 100K points after $6K spend in 6 months. Welcome offers vary and you may not be eligible for an offer. Terms apply. Rates & Fees$325 Annual FeeRecent better offer: 100K after $6K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 11/10/24 - referrals only] FM Mini Review: This card offers an awesome return on US supermarket and worldwide dining spend, putting it at or near the top-of-class in both categories. Dining credits and Uber / Uber Eats credits go a long way towards reducing the sting of this card's annual fee. |
100K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 100K points after $15K spend in 3 months. Terms apply. ( Rates & Fees) $375 Annual FeeRecent better offer: 200K after $15K spend expired 2/10/25 |
 ⓘ $786 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25
Click to learn about first year value estimates 80K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 80K after $8K spend in first 6 months. Terms apply.$695 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 150K after $8k spend in the first 6 months. (Expired 6/11/25) FM Mini Review: In my opinion, this is the best of the consumer Amex Platinum cards when you need two cards thanks to Morgan Stanley offering one free authorized user. Unfortunately you do need to have a Morgan Stanley account to apply. |
ⓘ $786 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25
Click to learn about first year value estimates 80K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 80K after $8K spend in first 6 months. Terms apply. $695 Annual Fee This card is only available to clients that maintain an eligible Schwab brokerage account. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 125K points after $8K spend [Expired 6/12/25] |
40K points ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 40K after $3K spend in first 6 months. Terms apply. See Rates & Fees$150 Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 60K after $3K spend in first 6 months + 20% off travel and transit purchases for first 6 months. [Expired 8/21/23] FM Mini Review: This card is worth considering as your go-to travel card, but only if you value its CLEAR and Lounge Buddy credits. Also note that Amex cards continue to have limited acceptance in many international destinations. Click here for our complete card review |
15K points + 0% APR for 12 months ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 15k points after $3k spend within the first 3 months + 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%,, based on your creditworthiness and other factors at account opening. ( Rates & Fees) No Annual Fee |
This card is no longer available for new applications ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer This card is not currently available for new applicants.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
This card is no longer available for new applications ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer This card is not currently available for new applicants.$95 Annual Fee Alternate Offer: Some people click through and find that they are targeted for an offer of 30K points after $2K spend in 3 months. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 30K after $2K in first 3 months |
15K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 15K points after $3K spend within first 3 months of card membership. Terms & limitations apply. ( Rates & Fees) $95 Annual Fee |
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer available.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: None FM Mini Review: Decent no annual fee card thanks to its 2X category bonuses, but you do need to have a Morgan Stanley account to apply. |
This card is no longer available for new applications No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
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![](http://cdn.nextinsure.com/imaging/opt/9f9fa454-a6e1-41eb-8c7c-3d13bcbcb984.png?w=300" alt="The Business Platinum Card® from American Express" />)
![](http://cdn.nextinsure.com/imaging/opt/49ef3906-6ee7-4f77-a40b-74728901760e.jpg?w=300" alt="American Express® Business Gold Card" />)
![](http://cdn.nextinsure.com/imaging/opt/72cb8f35-39c3-4925-9965-6f0db8d5f6c7.jpg?w=300" alt="The Blue Business® Plus Credit Card from American Express" />)
![](http://cdn.nextinsure.com/imaging/opt/57495ed9-6f4e-4919-9a83-ae2ec251f236.png?w=300" alt="Business Green Rewards Card from American Express" />)
Looks like this expired on 6/12/2025
Why do you have posts 3 and 4 years old? The world has changed since then. Just say’in.
The blog is ten years old, so we have posts far older than that.
But not sure what that has to do with this page about the Schwab Platinum card?
Respectfully, I read the latter posts about the Schwab card and was thinking the posts were applicable to the current offer for the last few months. What Schwab offered over six years ago may not be valid now.
That’s all. Thanks for the email. Rob.
Those aren’t posts, those are just comments or other sites that have linked to this page previously.
This particular page is updated whenever the offer or benefits changing.
Thanks, I didn’t know about linked sites. I am not very savvy on computer things….yet! Thanks, Rob.
Nope. Pop up.
Can’t seem to apply – seems to spin around and gets nowhere. Tried different browsers, etc.
[…] The Charles Schwab American Express Platinum card has an increased sign-up bonus of 125,000 Membersh… after $8,000 spend in six months, which is an all-time high.The main feature of this card is the ability to cash-out up to 1,000,000 Membership Rewards annually at 1.1 cents per point. […]
Unfortunately the SUB is down to 80K.
We have TD Ameritrade IRA’s. TD has been bought by Schwab and they are in the process of merging. Are we Schwab customers for the purposes of this offer?
You have to log in to your Schwab account to apply. Can you log in at Schwab?
Not yet. Some TDA forms and processes on the TDA site are now connecting to Schwab forms and processes. The easiest way to solve this is just to open a Schwab account and just transfer some funds in until the merger completes. If I have any difficulty with that approach, I’ll come back here and update.
[…] The Platinum Card® from American Express for Schwab offers the ability to redeem points into your brokerage account at a value of 1.25 cents per point. You can then optionally move that money to a regular checking account to use to buy stuff. Or you can keep it in the brokerage account to invest for your future. […]
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