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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 BevyBigger welcome offer: American Express Schwab Platinum

American Express

Marriott Bonvoy Bevy

Annual fee
$250
Network
amex
Welcome value
~$638
Min spend
$5,000 / 6mo

Top earning rates

  • 6×Hotels participating in Marriott Bonvoy® · Marriott Bonvoy
  • 4×Restaurants worldwide and U.S. Supermarkets · Marriott Bonvoy
  • 2×All other eligible purchases · Marriott Bonvoy

Key benefits

  • Marriott Bonvoy Bevy Free Night Award (Spend Tier) · $375
  • 15 Elite Night Credits · $0
  • Global Assist® Hotline · $0
  • American Express Venue Collection · $0
  • Extended Warranty · $0
Full American Express Marriott Bonvoy Bevy 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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