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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
$800
Min spend
$6,000 / 6mo

Top earning rates

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

Key benefits

  • Free Night Award · $638
  • American Express Venue Collection · $250
  • Fee Credit for Global Entry or TSA PreCheck® · $120
  • $100 Marriott Bonvoy Property Credit · $100
  • Brilliant Dining Credit · $25
Full American Express Marriott Bonvoy Brilliant 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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