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 United Club Business Card from Chase at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | The Platinum Card from American Express Exclusively for Charles Schwab | United Club Business Card |
|---|---|---|
| Annual fee | $695 | $695 |
| Sign-up bonus | Up to 80,000 Membership Rewards points | 100,000 miles + 2,000 PQP |
| Bonus value (est.) | $1,440 | $1,500 |
| Min spend to unlock bonus | $8,000 in 6 mo | $5,000 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.
Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.
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.
