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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
$665
Min spend
$6,000 / 6mo

Top earning rates

  • 6×Marriott Bonvoy hotels · Marriott Bonvoy
  • 3×dining · Marriott Bonvoy
  • 3×flights · Marriott Bonvoy
  • 2×all other purchases · Marriott Bonvoy

Key benefits

  • Annual Free Night Award (up to 85k pts) · $600
  • Marriott Bonvoy Platinum Elite Status · $400
  • Brilliant Earned Choice Award · $300
  • Priority Pass Select Membership · $250
  • 25 Annual Elite Night Credits · $250
Full American Express Marriott Bonvoy Brilliant review

American Express

Schwab Platinum

Annual fee
$895
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

  • Global Lounge Collection · $325
  • Equinox Credit · $300
  • Fine Hotels + Resorts Program · $250
  • Hilton Honors Gold Status · $200
  • Airline Fee 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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