Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.
Both are travel travel cards. The The Platinum Card from American Express Exclusively for Charles Schwab comes from American Express at $695/yr; the Capital One Venture Rewards from Capital One at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
If you're not sure you'll use premium perks, start with the Capital One Venture Rewards, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.
| Feature | The Platinum Card from American Express Exclusively for Charles Schwab | Capital One Venture Rewards |
|---|---|---|
| Annual fee | $695 | $95 |
| Sign-up bonus | Up to 80,000 Membership Rewards points | 75,000 miles |
| Bonus value (est.) | $1,440 | $1,238 |
| Min spend to unlock bonus | $8,000 in 6 mo | $4,000 in 3 mo |
| Issuer | American Express | Capital One |
| Card category | travel | travel |
| Best earning category (Flights_direct_or_amextravel) | 5x | 1x |
| Transfer partners | amex-mr | capital-one |
| Headline benefits |
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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.
The simplest travel card in the game. Flat 2x on everything plus transfer partners means you don't have to think, just swipe. Great for people who don't want to chase bonus categories.
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.
