American Express Schwab Platinum Bilt Bilt Palladium Card
American Express Schwab Platinum
$895/yr
Bilt Palladium Card
$495/yr
Every $1 · two cards
American Express Schwab Platinum earns more in 2 of 9 categories · Bilt Palladium Card in 7
- Dining1×2¢ per $12×4.4¢ per $1
- Groceries1×2¢ per $12×4.4¢ per $1
- Gas1×2¢ per $12×4.4¢ per $1
- Flights5×10¢ per $1
up to $500,000/yr
3×6.6¢ per $1via Bilt Travel
- Hotels5×10¢ per $1
via amextravel.com
4×8.8¢ per $1via Bilt Travel
- Everything else1×2¢ per $12×4.4¢ per $1
Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.
Fees, welcome offers & benefits
American Express
Schwab Platinum
- Annual fee
- $895
- Network
- amex
- Welcome value
- ~$1,600
- Min spend
- $12,000 / 6mo
Top earning rates
- 5×Prepaid short-term rentals with Airbnb · Membership Rewards
- 5×Prepaid hotels · Membership Rewards
- 5×Flights purchased directly from airlines or through American Express Travel · Membership Rewards
- 1×Eligible purchases · Membership Rewards
Key benefits
- $300 Equinox Credit · $300
- $600 Lodging Credit · $300
- $300 SoulCycle At-Home Bike Credit · $300
- $250 Airbnb Experiences Credit · $250
- $219 CLEAR+ Credit · $219
Bilt
Bilt Palladium Card
- Annual fee
- $495
- Network
- mastercard
- Welcome value
- $1,050
- Min spend
- $4,000 / 3mo
Top earning rates
- 5×Bilt dining · Bilt Points
- 4×Everyday purchases · Bilt Cash
- 4×Lyft · Bilt Points
- 4×Hotels · Bilt Points
Key benefits
- $400 Bilt Travel Hotel Credit · $200
- $200 of Bilt Cash · $200
- Concierge Service. · $0
- No Foreign Transaction Fees · $0
- Priority Pass Membership · $0
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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