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All comparisons
Head-to-head, 2026

American Express Hilton Honors Business 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 Hilton Honors BusinessBigger welcome offer: American Express Schwab Platinum

American Express

Hilton Honors Business

Annual fee
$195
Network
amex
Welcome value
~$600
Min spend
$8,000 / 6mo

Top earning rates

  • 12×Hotels · Hilton Honors
  • 5×Eligible purchases · Hilton Honors
  • 3×All other purchases · Hilton Honors

Key benefits

  • $240 Hilton Credit · $60
  • Employee Cards · $0
  • Hilton Honors® Gold Status · $0
  • Upgrade to Hilton Honors Diamond Status (Spend Tier) · $0
  • Complimentary National Car Rental Status · $0
Full American Express Hilton Honors Business review

American Express

Schwab Platinum

Annual fee
$895
Network
amex
Welcome value
~$1,600
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

  • $600 Hotel Credit · $300
  • $300 Equinox Credit · $300
  • $300 SoulCycle At-Home Bike Credit · $300
  • $219 CLEAR+ Credit · $219
  • $200 Oura Ring 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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