Beta

Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.

Skip to content
RewardZ Travel
All credit cards
Side-by-side

The Platinum Card from American Express Exclusively for Charles Schwab vs British Airways Visa Signature

Both are travel travel cards. The The Platinum Card from American Express Exclusively for Charles Schwab comes from American Express at $695/yr; the British Airways Visa Signature from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

If you're not sure you'll use premium perks, start with the British Airways Visa Signature, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureThe Platinum Card from American Express Exclusively for Charles SchwabBritish Airways Visa Signature
Annual fee$695$95
Sign-up bonusUp to 80,000 Membership Rewards points75,000 Bonus Avios
Bonus value (est.)$1,440$1,050
Min spend to unlock bonus$8,000 in 6 mo$5,000 in 3 mo
IssuerAmerican ExpressChase
Card categorytraveltravel
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
  • 75k Avios bonus
  • Travel Together ticket at $30k
  • No foreign tx fees
  • Great for short-haul AA
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
British Airways Visa Signature
$95/yr · 75,000 Bonus Avios

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: British Airways Visa Signature

Avios shine on short-haul AA flights (7,500 miles each way under 1,150 miles). The Travel Together ticket is amazing but requires $30k spend per year, only worth it if you already hit that.

Common questions

Which card has the bigger sign-up bonus, The Platinum Card from American Express Exclusively for Charles Schwab or British Airways Visa Signature?
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 75,000 Bonus Avios (~$1,050) on the British Airways Visa Signature.
Is the The Platinum Card from American Express Exclusively for Charles Schwab's $695 annual fee worth it compared to the British Airways Visa Signature?
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 British Airways Visa Signature at $95/yr trades some perks for a lower commitment.
Can I have both the The Platinum Card from American Express Exclusively for Charles Schwab and British Airways Visa Signature?
Yes, since they're from different issuers (American Express and Chase) 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 British Airways Visa Signature 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. British Airways Visa Signature: $5,000 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.