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Side-by-side

The Platinum Card from American Express Exclusively for Charles Schwab vs TAP Miles and Go American Express Card

Both are well-respected travel cards. The The Platinum Card from American Express Exclusively for Charles Schwab comes from American Express at $695/yr; the TAP Miles and Go American Express Card from Cardless at $79/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 ($1,440 more in estimated value) than the TAP Miles and Go American Express Card's. Get the The Platinum Card from American Express Exclusively for Charles Schwab first; revisit the TAP Miles and Go American Express Card after you've earned that bonus.

FeatureThe Platinum Card from American Express Exclusively for Charles SchwabTAP Miles and Go American Express Card
Annual fee$695$79
Sign-up bonusUp to 80,000 Membership Rewards points40,000 bonus miles
Bonus value (est.)$1,440-
Min spend to unlock bonus$8,000 in 6 mo$2,500 in 3 mo
IssuerAmerican ExpressCardless
Card categorytravelairline
Best earning category (Flights_direct_or_amextravel)5x1x
Transfer partnersamex-mrNone
Headline benefits
  • Invest with Rewards 1.1c/pt into Schwab
  • Centurion + Priority Pass + Delta Sky Club
  • 5X flights, 5X prepaid hotels
  • $1,500+ in annual credits
  • 3x miles on TAP purchases
  • 2 Lisbon lounge passes per year
  • Free extra checked bag
  • Star Alliance redemptions
Read the full review
The Platinum Card from American Express Exclusively for Charles Schwab
$695/yr · Up to 80,000 Membership Rewards points
Read the full review
TAP Miles and Go American Express Card
$79/yr · 40,000 bonus miles

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.

Editorial take: TAP Miles and Go American Express Card

The only US co-branded card for a European Star Alliance carrier. Useful if you fly TAP to Lisbon or onward Europe several times a year, since the lounge passes, free extra bag, and Premium Boarding can each be worth more than the $79 annual fee on a single transatlantic trip.

Common questions

Which card has the bigger sign-up bonus, The Platinum Card from American Express Exclusively for Charles Schwab or TAP Miles and Go American Express Card?
The The Platinum Card from American Express Exclusively for Charles Schwab has a public bonus (Up to 80,000 Membership Rewards points, worth roughly $1,440), while the TAP Miles and Go American Express Card doesn't advertise one right now.
Is the The Platinum Card from American Express Exclusively for Charles Schwab's $695 annual fee worth it compared to the TAP Miles and Go American Express Card?
Premium cards like the The Platinum Card from American Express Exclusively for Charles Schwab ($695/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $695+ of those credits, the math works. The TAP Miles and Go American Express Card at $79/yr trades some perks for a lower commitment.
Can I have both the The Platinum Card from American Express Exclusively for Charles Schwab and TAP Miles and Go American Express Card?
Yes, since they're from different issuers (American Express and Cardless) the application rules don't conflict. 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 The Platinum Card from American Express Exclusively for Charles Schwab or the TAP Miles and Go American Express Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. The Platinum Card from American Express Exclusively for Charles Schwab: $8,000 spend in 6 months. TAP Miles and Go American Express Card: $2,500 in 3 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.