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The Platinum Card from American Express Exclusively for Charles Schwab vs CitiBusiness / AAdvantage Platinum Select Mastercard

Both are travel travel cards. The The Platinum Card from American Express Exclusively for Charles Schwab comes from American Express at $895/yr; the CitiBusiness / AAdvantage Platinum Select Mastercard from Citi at $99/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 CitiBusiness / AAdvantage Platinum Select Mastercard, 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 SchwabCitiBusiness / AAdvantage Platinum Select Mastercard
Annual fee$895$99
Sign-up bonusUp to 80,000 Membership Rewards points65,000 miles
Bonus value (est.)$1,440$1,073
Min spend to unlock bonus$8,000 in 6 mo$4,000 in 4 mo
IssuerAmerican ExpressCiti
Card categorytraveltravel
Best earning category (Flights_direct_or_amextravel)5x1x
Transfer partnersamex-mraadvantage
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
    Read the full review
    The Platinum Card from American Express Exclusively for Charles Schwab
    $895/yr · Up to 80,000 Membership Rewards points
    Read the full review
    CitiBusiness / AAdvantage Platinum Select Mastercard
    $99/yr · 65,000 miles

    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: CitiBusiness / AAdvantage Platinum Select Mastercard

    Common questions

    Which card has the bigger sign-up bonus, The Platinum Card from American Express Exclusively for Charles Schwab or CitiBusiness / AAdvantage Platinum Select Mastercard?
    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 65,000 miles (~$1,073) on the CitiBusiness / AAdvantage Platinum Select Mastercard.
    Is the The Platinum Card from American Express Exclusively for Charles Schwab's $895 annual fee worth it compared to the CitiBusiness / AAdvantage Platinum Select Mastercard?
    Premium cards like the The Platinum Card from American Express Exclusively for Charles Schwab ($895/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $895+ of those credits, the math works. The CitiBusiness / AAdvantage Platinum Select Mastercard at $99/yr trades some perks for a lower commitment.
    Can I have both the The Platinum Card from American Express Exclusively for Charles Schwab and CitiBusiness / AAdvantage Platinum Select Mastercard?
    Yes, since they're from different issuers (American Express and Citi) 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 CitiBusiness / AAdvantage Platinum Select Mastercard 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. CitiBusiness / AAdvantage Platinum Select Mastercard: $4,000 in 4 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.