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Side-by-side

The Platinum Card from American Express Exclusively for Charles Schwab vs World of Hyatt Credit 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 World of Hyatt Credit Card 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 World of Hyatt Credit Card, 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 SchwabWorld of Hyatt Credit Card
Annual fee$695$95
Sign-up bonusUp to 80,000 Membership Rewards pointsUp to 60,000 Bonus Points
Bonus value (est.)$1,440$1,020
Min spend to unlock bonus$8,000 in 6 mo-
IssuerAmerican ExpressChase
Card categorytravelhotel
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
  • 9x at Hyatt properties
  • Free Cat 1-4 night every year
  • Automatic Discoverist
  • $95 fee
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
World of Hyatt Credit Card
$95/yr · Up to 60,000 Bonus Points

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: World of Hyatt Credit Card

The anniversary free night at a Category 1-4 Hyatt easily covers the $95 fee, even a Category 1 Hyatt Place clears it. If you stay at any Hyatt once a year, this card pays for itself.

Common questions

Which card has the bigger sign-up bonus, The Platinum Card from American Express Exclusively for Charles Schwab or World of Hyatt Credit Card?
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 Up to 60,000 Bonus Points (~$1,020) on the World of Hyatt Credit Card.
Is the The Platinum Card from American Express Exclusively for Charles Schwab's $695 annual fee worth it compared to the World of Hyatt Credit 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 World of Hyatt Credit Card 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 World of Hyatt Credit Card?
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 World of Hyatt Credit 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. World of Hyatt Credit Card: no published min spend. 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.