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All comparisons
Head-to-head, 2026

American Express Marriott Bonvoy Brilliant 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 BrilliantBigger welcome offer: American Express Schwab Platinum

American Express

Marriott Bonvoy Brilliant

Annual fee
$650
Network
amex
Welcome value
$1,450
Min spend
$6,000 / 6mo

Top earning rates

  • 6×Hotels participating in Marriott Bonvoy®
  • 3×Restaurants worldwide
  • 3×Flights booked directly with airlines
  • 2×All other eligible purchases

Key benefits

  • Free Night Award · $300
  • American Express Venue Collection Concessions Credit · $250
  • $100 Marriott Bonvoy Property Credit · $100
  • Global Entry or TSA PreCheck Credit · $30
  • Brilliant Earned Choice Award (Spend Tier) · $0
Full American Express Marriott Bonvoy Brilliant review

American Express

Schwab Platinum

Annual fee
$695
Network
amex
Welcome value
~$1,600
Min spend
$12,000 / 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
  • $600 Hotel Credit · $300
  • $300 SoulCycle At-Home Bike Credit · $300
  • $300 Equinox Credit · $300
  • Cruise Privileges Program · $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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