THE CARDTUNED DATABASE
Schwab Investor Card from American Express
Issuer: American Express
1.5% cash back automatically deposited into an eligible Schwab account
- Annual fee
- $0
- Foreign transaction fee
- 2.7%
- Intro APR
- 0% introductory purchase APR for 6 months
- Regular APR
- 19.49%–28.49% variable APR after introductory period
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
$200 statement credit after $1,000 in purchases in the first 3 months
- Spending requirement
- $1,000 in purchases
- Time window
- the first 3 months
Offer last checked: 2026-09-04
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 1.5% | cash back automatically deposited into an eligible Schwab account See card-specific caps and merchant-category rules Cash back requires an eligible Schwab account |
Additional benefits
• Cash back is automatically deposited into an eligible Schwab account
• $200 statement credit after $1,000 in purchases in the first 3 months
• 0% introductory APR on purchases for 6 months
Restrictions to know
An eligible Schwab account must be maintained for the card and automatic cash-back deposits. The 0% purchase APR lasts 6 months; the current variable APR applies afterward. Foreign transaction and other account fees follow the card agreement.
Who can apply
Eligible Charles Schwab account required
Credit profile: Good–Excellent / issuer underwriting applies