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Side-by-side

Delta SkyMiles Platinum Business American Express Card vs The Platinum Card from American Express Exclusively for Charles Schwab

Both are well-respected travel cards. The Delta SkyMiles Platinum Business American Express Card comes from American Express at $350/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

For most people the The Platinum Card from American Express Exclusively for Charles Schwab is the stronger pick today, the sign-up bonus is meaningfully larger ($600 more in estimated value) than the Delta SkyMiles Platinum Business American Express Card's. Get the The Platinum Card from American Express Exclusively for Charles Schwab first; revisit the Delta SkyMiles Platinum Business American Express Card after you've earned that bonus.

FeatureDelta SkyMiles Platinum Business American Express CardThe Platinum Card from American Express Exclusively for Charles Schwab
Annual fee$350$695
Sign-up bonus70,000 milesUp to 80,000 Membership Rewards points
Bonus value (est.)$840$1,440
Min spend to unlock bonus$6,000 in 6 mo$8,000 in 6 mo
IssuerAmerican ExpressAmerican Express
Card categoryairlinetravel
Best earning category (Delta)3x1x
Transfer partnersNoneamex-mr
Headline benefits
  • Annual companion cert
  • Free bag for 9 travelers
  • Sky Club at $50/visit
  • $10/mo resy credit
  • Invest with Rewards 1.1c/pt into Schwab
  • Centurion + Priority Pass + Delta Sky Club
  • 5X flights, 5X prepaid hotels
  • $1,500+ in annual credits
Read the full review
Delta SkyMiles Platinum Business American Express Card
$350/yr · 70,000 miles
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: Delta SkyMiles Platinum Business American Express Card

Strong middle-tier Delta card. The annual companion certificate alone covers the $350 fee for any couple flying domestic. Sky Club access at member rate is also better than nothing.

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, Delta SkyMiles Platinum Business American Express Card or The Platinum Card from American Express Exclusively for Charles Schwab?
The The Platinum Card from American Express Exclusively for Charles Schwab has the bigger bonus, Up to 80,000 Membership Rewards points, worth roughly $1,440, versus 70,000 miles (~$840) on the Delta SkyMiles Platinum Business American Express Card.
Is the Delta SkyMiles Platinum Business American Express Card's $350 annual fee worth it compared to the The Platinum Card from American Express Exclusively for Charles Schwab?
At $350/yr, the Delta SkyMiles Platinum Business American Express Card 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 Delta SkyMiles Platinum Business American Express Card 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 Delta SkyMiles Platinum Business American Express Card 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. Delta SkyMiles Platinum Business American Express Card: $6,000 spend in 6 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.