American Express Schwab Investor Card vs Citi AAdvantage Platinum Select

Common questions

Which card has the bigger sign-up bonus, American Express Schwab Investor Card or Citi AAdvantage Platinum Select?

The Citi AAdvantage Platinum Select has the bigger bonus, 60,000 miles, worth roughly $840, 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 Citi AAdvantage Platinum Select?

The American Express Schwab Investor Card has no annual fee, so the question is whether the Citi AAdvantage Platinum Select's $99 fee is justified by its perks. If you'll use enough of the Citi AAdvantage Platinum Select's benefits to clear $99 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 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 American Express Schwab Investor Card or the Citi AAdvantage Platinum Select 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. 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.