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 Delta SkyMiles Gold American Express Card from American Express at $150/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 Delta SkyMiles Gold American Express Card, 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 | Delta SkyMiles Gold American Express Card |
|---|---|---|
| Annual fee | $695 | $150 |
| Sign-up bonus | Up to 80,000 Membership Rewards points | 80,000 bonus miles |
| Bonus value (est.) | $1,440 | $960 |
| Min spend to unlock bonus | $8,000 in 6 mo | $3,000 in 6 mo |
| Issuer | American Express | American Express |
| Card category | travel | airline |
| 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.
A good choice for Delta loyalists. The free checked bag and $200 flight credit easily offset the $150 annual fee if you fly Delta a few times a year.
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.
