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All comparisons
Head-to-head, 2026

American Express Graphite Business Cash Unlimited Card 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 Graphite Business Cash Unlimited Card

American Express

Graphite Business Cash Unlimited Card

Annual fee
$295
Network
amex
Welcome value
—
Min spend
—

Top earning rates

  • 2×all other purchases

Key benefits

  • $200 Annual Amex Travel Credit · $200
  • Car Rental Loss and Damage Insurance · $50
  • No Foreign Transaction Fees · $50
  • $15 Monthly Gas Credit · $15
  • $10 Monthly Wireless Credit · $10
Full American Express Graphite Business Cash Unlimited Card review

American Express

Schwab Platinum

Annual fee
$895
Network
amex
Welcome value
$800
Min spend
$8,000 / 6mo

Top earning rates

  • 5×flights · Membership Rewards
  • 5×hotels · Membership Rewards
  • 1×all other purchases · Membership Rewards

Key benefits

  • Global Lounge Collection · $325
  • Equinox Credit · $300
  • Fine Hotels + Resorts Program · $250
  • Hilton Honors Gold Status · $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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