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All comparisons
Head-to-head, 2026

American Express Marriott Bonvoy Business 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 Business

American Express

Marriott Bonvoy Business

Annual fee
$125
Network
amex
Welcome value
—
Min spend
—

Top earning rates

  • 6×hotels · Marriott Bonvoy
  • 4×dining · Marriott Bonvoy
  • 4×gas · Marriott Bonvoy
  • 4×wireless · Marriott Bonvoy

Key benefits

  • Annual Free Night Award · $250
  • 15 Elite Night Credits · $150
  • Marriott Bonvoy Gold Elite Status · $100
  • 7% Room Rate Discount · $50
  • No Foreign Transaction Fees · $50
Full American Express Marriott Bonvoy Business 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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