THE CARDTUNED DATABASE
The Platinum Card from American Express Exclusively for Charles Schwab
Issuer: American Express
5X direct airline/Amex Travel flights up to $500,000/year; 5X prepaid Amex Travel hotels; 1X other
- Annual fee
- $895
- Foreign transaction fee
- $0
- Intro APR
- None
- Regular APR
- See current Rates & Fees; variable Pay Over Time APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
80,000 Membership Rewards points after $12,000 in purchases in the first 6 months
- Spending requirement
- $12,000 in purchases
- Time window
- the first 6 months
Offer last checked: 2026-09-04
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Flights | 5X | direct airline/Amex Travel flights up to $500,000/year See card-specific caps and merchant-category rules 5X airfare capped at $500,000/year; eligible Schwab account required |
| Hotels | 5X | prepaid Amex Travel hotels 5X airfare capped at $500,000/year; eligible Schwab account required |
| Other purchases | 1X | other 5X airfare capped at $500,000/year; eligible Schwab account required |
Additional benefits
• Annual Schwab Appreciation Bonus of $100, $200 or $1,000 based on qualifying Schwab holdings tiers
• Membership Rewards points can be deposited into an eligible Schwab brokerage account
• Global Lounge Collection access, including Centurion Lounges, 10 Delta Sky Club visits and Priority Pass enrollment
• Up to $600 hotel credit and $200 airline fee credit, subject to enrollment and timing rules
Restrictions to know
Eligible Schwab relationship required. Appreciation Bonus tiers depend on qualifying holdings measured after card approval and annually thereafter. 5X airfare is capped at $500,000 per calendar year. Statement credits, lounge access and partner benefits require eligible purchases, enrollment and account standing.
Who can apply
Eligible Charles Schwab account required
Credit profile: Good–Excellent / issuer underwriting applies