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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 Business

American Express

Hilton Honors Business

Annual fee
$195
Network
amex
Welcome value
—
Min spend
$6,000 / 6mo

Top earning rates

  • 12×Hotels · Hilton Honors
  • 5×Shipping · Hilton Honors
  • 5×Wireless_services · Hilton Honors
  • 5×Flights · Hilton Honors

Key benefits

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

American Express

Schwab Platinum

Annual fee
$695
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

  • Annual Schwab Appreciation Bonus · $1000
  • $300 Equinox Credit · $300
  • $600 Hotel Credit · $300
  • Cruise Privileges Program · $300
  • $300 SoulCycle At-Home Bike Credit · $300
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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