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Side-by-side

The Platinum Card from American Express Exclusively for Charles Schwab vs Chase Ink Business Cash

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 Chase Ink Business Cash from Chase at $0/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 ($690 more in estimated value) than the Chase Ink Business Cash's. Get the The Platinum Card from American Express Exclusively for Charles Schwab first; revisit the Chase Ink Business Cash after you've earned that bonus.

FeatureThe Platinum Card from American Express Exclusively for Charles SchwabChase Ink Business Cash
Annual fee$695$0
Sign-up bonusUp to 80,000 Membership Rewards points$750 bonus cash back
Bonus value (est.)$1,440$750
Min spend to unlock bonus$8,000 in 6 mo$6,000 in 3 mo
IssuerAmerican ExpressChase
Card categorytravelbusiness
Best earning category (Flights_direct_or_amextravel)5x1x
Transfer partnersamex-mrchase-ur
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
  • 5% office + internet/phone
  • $750 SUB ($900 elevated ended Nov 2025)
  • No annual fee
  • Converts to UR points
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
Chase Ink Business Cash
$0/yr · $750 bonus cash back

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: Chase Ink Business Cash

Highest-earning no-fee business card. 5% on internet, phone, and office supplies covers most small-business overhead. Note: The elevated $900 SUB ended Nov 13, 2025; current public offer is $750/$6k/3mo.

Common questions

Which card has the bigger sign-up bonus, The Platinum Card from American Express Exclusively for Charles Schwab or Chase Ink Business Cash?
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 $750 bonus cash back (~$750) on the Chase Ink Business Cash.
Is the The Platinum Card from American Express Exclusively for Charles Schwab's $695 annual fee worth it compared to the Chase Ink Business Cash?
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 Chase Ink Business Cash at $0/yr trades some perks for a lower commitment.
Can I have both the The Platinum Card from American Express Exclusively for Charles Schwab and Chase Ink Business Cash?
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 Chase Ink Business Cash 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. Chase Ink Business Cash: $6,000 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.