Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.
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 Premier from Chase at $195/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 Chase Ink Business Premier, 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 | Chase Ink Business Premier |
|---|---|---|
| Annual fee | $695 | $195 |
| Sign-up bonus | Up to 80,000 Membership Rewards points | $1,000 cash back |
| Bonus value (est.) | $1,440 | $1,000 |
| Min spend to unlock bonus | $8,000 in 6 mo | $10,000 in 3 mo |
| Issuer | American Express | Chase |
| Card category | travel | business |
| Best earning category (Flights_direct_or_amextravel) | 5x | 1x |
| Transfer partners | amex-mr | None |
| 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.
Chase's premium business card filling the gap above Ink Business Preferred. The 2.5x on large purchases is unique among UR-earning cards, perfect for businesses that drop $5k+ on equipment, software, or contractors monthly. Pay-in-full required.
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.
