Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

American Express Delta Reserve American Express Schwab Platinum

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: American Express Delta ReserveBigger welcome offer: American Express Schwab Platinum

American Express

Delta Reserve

Annual fee
$650
Network
amex
Welcome value
~$600
Min spend
$10,000 / 6mo

Top earning rates

  • 3×Delta Purchases · Delta SkyMiles
  • 1×Eligible purchases · Delta SkyMiles

Key benefits

  • Companion Certificate · $350
  • $200 Delta Stays Credit · $200
  • First Checked Bag Free · $140
  • Fee Credit for Global Entry or TSA PreCheck® · $120
  • $240 Resy Credit · $20
Full American Express Delta Reserve review

American Express

Schwab Platinum

Annual fee
$895
Network
amex
Welcome value
$800
Min spend
$12,000 / 6mo

Top earning rates

  • 5×Flights purchased directly from airlines or through American Express Travel · Membership Rewards
  • 1×Eligible purchases · Membership Rewards

Key benefits

  • $300 Equinox Credit · $300
  • $300 SoulCycle At-Home Bike Credit · $300
  • $600 Hotel Credit · $300
  • $219 CLEAR+ Credit · $219
  • $200 Airline Fee Credit · $200
Full American Express Schwab Platinum review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

Get my personal answer