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American Express Schwab Investor Card vs Atmos Rewards Visa Signature Business Card

Both are travel travel cards. The American Express Schwab Investor Card comes from American Express at $0/yr; the Atmos Rewards Visa Signature Business Card from Bank of America at $70/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Atmos Rewards Visa Signature Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,010 more in estimated value) than the American Express Schwab Investor Card's. Get the Atmos Rewards Visa Signature Business Card first; revisit the American Express Schwab Investor Card after you've earned that bonus.

FeatureAmerican Express Schwab Investor CardAtmos Rewards Visa Signature Business Card
Annual fee$0$70
Sign-up bonus10,000 Membership Rewards points70,000 points + $99 Companion Fare
Bonus value (est.)$110$1,120
Min spend to unlock bonus$1,000 in 6 mo$4,000 in 3 mo
IssuerAmerican ExpressBank of America
Card categorytraveltravel
Best earning category (All_purchases)1.5x1x
Transfer partnersamex-mrNone
Headline benefits
  • 1.5X MR on everything
  • $0 annual fee
  • 1.0c/pt Invest with Rewards
  • Full MR transfer partners
    Read the full review
    American Express Schwab Investor Card
    $0/yr · 10,000 Membership Rewards points
    Read the full review
    Atmos Rewards Visa Signature Business Card
    $70/yr · 70,000 points + $99 Companion Fare

    Editorial take: American Express Schwab Investor Card

    The hidden gem of the Amex MR lineup for Schwab brokerage customers. Flat 1.5X MR with $0 annual fee, full transfer-partner access, AND a 1.0 cents-per-point cash-into-brokerage redemption guarantees you can always extract real cash. The catch: you need a Schwab brokerage account to apply.

    Editorial take: Atmos Rewards Visa Signature Business Card

    Common questions

    Which card has the bigger sign-up bonus, American Express Schwab Investor Card or Atmos Rewards Visa Signature Business Card?
    The Atmos Rewards Visa Signature Business Card has the bigger bonus, 70,000 points + $99 Companion Fare, worth roughly $1,120, versus 10,000 Membership Rewards points (~$110) on the American Express Schwab Investor Card.
    Is the American Express Schwab Investor Card's $0 annual fee worth it compared to the Atmos Rewards Visa Signature Business Card?
    The American Express Schwab Investor Card has no annual fee, so the question is whether the Atmos Rewards Visa Signature Business Card's $70 fee is justified by its perks. If you'll use enough of the Atmos Rewards Visa Signature Business Card's benefits to clear $70 in value annually, it's worth it; otherwise stick with the American Express Schwab Investor Card.
    Can I have both the American Express Schwab Investor Card and Atmos Rewards Visa Signature Business Card?
    Yes, since they're from different issuers (American Express and Bank of America) 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 American Express Schwab Investor Card or the Atmos Rewards Visa Signature Business Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Schwab Investor Card: $1,000 spend in 6 months. Atmos Rewards Visa Signature Business Card: $4,000 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.