Editorial take: American Express Business Gold
The 4x on your top two categories each month is uniquely flexible, if your business spend varies, this auto-adapts. The credits need active use to offset the fee.
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Side-by-side
American Express Business Gold vs The Platinum Card from American Express Exclusively for Charles Schwab
Both are well-respected travel cards. The American Express Business Gold comes from American Express at $375/yr; the The Platinum Card from American Express Exclusively for Charles Schwab from American Express at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | American Express Business Gold | The Platinum Card from American Express Exclusively for Charles Schwab |
|---|---|---|
| Annual fee | $375 | $695 |
| Sign-up bonus | 100,000 Membership Rewards points | Up to 80,000 Membership Rewards points |
| Bonus value (est.) | $1,800 | $1,440 |
| Min spend to unlock bonus | $15,000 in 3 mo | $8,000 in 6 mo |
| Issuer | American Express | American Express |
| Card category | business | travel |
| Best earning category (Top_two_categories) | 4x | 1x |
| Transfer partners | amex-mr | amex-mr |
| Headline benefits |
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Read the full review
American Express Business Gold
$375/yr · 100,000 Membership Rewards points
Read the full review
The Platinum Card from American Express Exclusively for Charles Schwab
$695/yr · Up to 80,000 Membership Rewards points
Editorial take: The Platinum Card from American Express Exclusively for Charles Schwab
The premium Platinum for Schwab brokerage customers. Same lounge access, FHR, and credit suite as the Personal Platinum, but the killer feature is Invest with Rewards at 1.1 cents per point cash-into-brokerage — the highest fixed-value MR redemption in the program. Best for cardholders who don't max out airline transfer partners.
Common questions
- Which card has the bigger sign-up bonus, American Express Business Gold or The Platinum Card from American Express Exclusively for Charles Schwab?
- The American Express Business Gold has the bigger bonus, 100,000 Membership Rewards points, worth roughly $1,800, versus Up to 80,000 Membership Rewards points (~$1,440) on the The Platinum Card from American Express Exclusively for Charles Schwab.
- Is the American Express Business Gold's $375 annual fee worth it compared to the The Platinum Card from American Express Exclusively for Charles Schwab?
- At $375/yr, the American Express Business Gold is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the The Platinum Card from American Express Exclusively for Charles Schwab's, pick the one whose perks you'll actually use.
- Can I have both the American Express Business Gold and The Platinum Card from American Express Exclusively for Charles Schwab?
- Yes, though both are issued by American Express so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the American Express Business Gold or the The Platinum Card from American Express Exclusively for Charles Schwab first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Business Gold: $15,000 spend in 3 months. The Platinum Card from American Express Exclusively for Charles Schwab: $8,000 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.