American Express Schwab Platinum Capital One Venture Rewards
American Express Schwab Platinum
$895/yr
Capital One Venture Rewards
$95/yr
Every $1 · two cards
American Express Schwab Platinum earns more in 2 of 9 categories · Capital One Venture Rewards in 6
- Dining1×2¢ per $12×3.6¢ per $1
- Groceries1×2¢ per $12×3.6¢ per $1
- Gas1×2¢ per $12×3.6¢ per $1
- Flights5×10¢ per $1
up to $500,000/yr
2×3.6¢ per $1 - Hotels5×10¢ per $1
via amextravel.com
5×9¢ per $1via Capital One Travel
- Everything else1×2¢ per $12×3.6¢ 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
Capital One
Venture Rewards
- Annual fee
- $95
- Network
- visa
- Welcome value
- $1,050
- Min spend
- $4,000 / 3mo
Top earning rates
- 5×Hotels, vacation rentals, and rental cars · Capital One Miles
- 5×Capital One Entertainment purchases · Capital One Miles
- 2×Every purchase · Capital One Miles
Key benefits
- Global Entry or TSA PreCheck credit · $120
- $50 Lifestyle Collection experience credit · $50
- Capital One Offers · $0
- Capital One Entertainment access · $0
- No Foreign Transaction Fees · $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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