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The Platinum Card from American Express Exclusively for Charles Schwab vs Wells Fargo Autograph Card

Both are travel travel cards. The The Platinum Card from American Express Exclusively for Charles Schwab comes from American Express at $695/yr; the Wells Fargo Autograph Card from Wells Fargo at $0/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 ($1,240 more in estimated value) than the Wells Fargo Autograph Card's. Get the The Platinum Card from American Express Exclusively for Charles Schwab first; revisit the Wells Fargo Autograph Card after you've earned that bonus.

FeatureThe Platinum Card from American Express Exclusively for Charles SchwabWells Fargo Autograph Card
Annual fee$695$0
Sign-up bonusUp to 80,000 Membership Rewards points20,000 points
Bonus value (est.)$1,440$200
Min spend to unlock bonus$8,000 in 6 mo$1,000 in 3 mo
IssuerAmerican ExpressWells Fargo
Card categorytraveltravel
Best earning category (Flights_direct_or_amextravel)5x1x
Transfer partnersamex-mrwf-rewards
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
  • 3x on 6 broad categories
  • No annual fee
  • No FX fees
  • Cell phone protection
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
Wells Fargo Autograph Card
$0/yr · 20,000 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: Wells Fargo Autograph Card

The best no-annual-fee card for everyday spend in 2026. 3x on six broad categories with no caps trumps almost every other free card. Pair with the Autograph Journey if you want transferable points.

Common questions

Which card has the bigger sign-up bonus, The Platinum Card from American Express Exclusively for Charles Schwab or Wells Fargo Autograph 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 20,000 points (~$200) on the Wells Fargo Autograph Card.
Is the The Platinum Card from American Express Exclusively for Charles Schwab's $695 annual fee worth it compared to the Wells Fargo Autograph 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 Wells Fargo Autograph Card at $0/yr trades some perks for a lower commitment.
Can I have both the The Platinum Card from American Express Exclusively for Charles Schwab and Wells Fargo Autograph Card?
Yes, since they're from different issuers (American Express and Wells Fargo) 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 Wells Fargo Autograph 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. Wells Fargo Autograph Card: $1,000 in 3 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.