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All comparisons
Head-to-head, 2026

American Express Gold 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 Gold

American Express

Gold

Annual fee
$325
Network
amex
Welcome value
—
Min spend
$8,000 / 6mo

Top earning rates

  • 5×Prepaid hotel reservations · Membership Rewards
  • 4×Restaurants worldwide · Membership Rewards
  • 3×Flights · Membership Rewards
  • 2×Other eligible purchases · Membership Rewards

Key benefits

  • The Hotel Collection $100 Credit · $100
  • $100 Resy Credit · $50
  • $120 Dining Credit · $10
  • $120 Uber Cash · $10
  • $84 Dunkin' Credit · $7
Full American Express Gold 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.

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