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American Express Schwab Investor Card vs US Bank Triple Cash Rewards Business

Both are well-respected travel cards. The American Express Schwab Investor Card comes from American Express at $0/yr; the US Bank Triple Cash Rewards Business from U.S. Bank 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 US Bank Triple Cash Rewards Business is the stronger pick today, the sign-up bonus is meaningfully larger ($640 more in estimated value) than the American Express Schwab Investor Card's. Get the US Bank Triple Cash Rewards Business first; revisit the American Express Schwab Investor Card after you've earned that bonus.

FeatureAmerican Express Schwab Investor CardUS Bank Triple Cash Rewards Business
Annual fee$0$0
Sign-up bonus10,000 Membership Rewards points$750 cash back
Bonus value (est.)$110$750
Min spend to unlock bonus$1,000 in 6 mo$6,000 in 6 mo
IssuerAmerican ExpressU.S. Bank
Card categorytravelbusiness
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
    US Bank Triple Cash Rewards Business
    $0/yr · $750 cash back

    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: US Bank Triple Cash Rewards Business

    Common questions

    Which card has the bigger sign-up bonus, American Express Schwab Investor Card or US Bank Triple Cash Rewards Business?
    The US Bank Triple Cash Rewards Business has the bigger bonus, $750 cash back, worth roughly $750, 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 US Bank Triple Cash Rewards Business?
    The American Express Schwab Investor Card has no annual fee, so the question is whether the US Bank Triple Cash Rewards Business's $0 fee is justified by its perks. If you'll use enough of the US Bank Triple Cash Rewards Business's benefits to clear $0 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 US Bank Triple Cash Rewards Business?
    Yes, since they're from different issuers (American Express and U.S. Bank) 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 US Bank Triple Cash Rewards Business 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. US Bank Triple Cash Rewards Business: $6,000 in 6 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.