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All comparisons
Head-to-head, 2026

American Express Marriott Bonvoy Bevy 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 Marriott Bonvoy Bevy

American Express

Marriott Bonvoy Bevy

Annual fee
$250
Network
amex
Welcome value
—
Min spend
—

Top earning rates

  • 6×Hotels · Marriott Bonvoy
  • 4×Dining · Marriott Bonvoy
  • 4×Groceries · Marriott Bonvoy
  • 2×All other purchases · Marriott Bonvoy

Key benefits

  • Marriott Bonvoy Bevy Free Night Award (Spend Tier) · $250
  • Car Rental Loss and Damage Insurance · $0
  • Complimentary Marriott Bonvoy Gold Elite Status · $0
  • Marriott Bonvoy 1K Bonus Points per Stay · $0
  • Extended Warranty · $0
Full American Express Marriott Bonvoy Bevy 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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