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Side-by-side

The Platinum Card from American Express Exclusively for Charles Schwab vs Citi AAdvantage Platinum Select

Both are travel travel cards. The The Platinum Card from American Express Exclusively for Charles Schwab comes from American Express at $695/yr; the Citi AAdvantage Platinum Select from Citi at $99/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 ($600 more in estimated value) than the Citi AAdvantage Platinum Select's. Get the The Platinum Card from American Express Exclusively for Charles Schwab first; revisit the Citi AAdvantage Platinum Select after you've earned that bonus.

FeatureThe Platinum Card from American Express Exclusively for Charles SchwabCiti AAdvantage Platinum Select
Annual fee$695$99
Sign-up bonusUp to 80,000 Membership Rewards points60,000 miles
Bonus value (est.)$1,440$840
Min spend to unlock bonus$8,000 in 6 mo$3,500 in 4 mo
IssuerAmerican ExpressCiti
Card categorytraveltravel
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
  • Free checked bag
  • Priority boarding
  • 2x on AA + dining + gas
  • First year free
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
Citi AAdvantage Platinum Select
$99/yr · 60,000 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: Citi AAdvantage Platinum Select

The free checked bag covers the fee on just one round-trip with a partner. Good if you fly AA more than twice a year, otherwise AAdvantage is worth collecting through other means.

Common questions

Which card has the bigger sign-up bonus, The Platinum Card from American Express Exclusively for Charles Schwab or Citi AAdvantage Platinum Select?
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 60,000 miles (~$840) on the Citi AAdvantage Platinum Select.
Is the The Platinum Card from American Express Exclusively for Charles Schwab's $695 annual fee worth it compared to the Citi AAdvantage Platinum Select?
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 Citi AAdvantage Platinum Select 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 Citi AAdvantage Platinum Select?
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 Citi AAdvantage Platinum Select 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. Citi AAdvantage Platinum Select: $3,500 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.