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Head-to-head, 2026

American Express Schwab Platinum Chase Sapphire Preferred

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Sapphire PreferredBigger welcome offer: American Express Schwab Platinum

American Express

Schwab Platinum

Annual fee
$895
Network
amex
Welcome value
$1,000
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

  • $300 Equinox Credit · $300
  • $300 SoulCycle At-Home Bike Credit · $300
  • $600 Hotel Credit · $300
  • $219 CLEAR+ Credit · $219
  • $200 Airline Fee Credit · $200
Full American Express Schwab Platinum review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
~$750
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Chase Travel purchases
  • 5×Peloton equipment and accessory purchases over $150
  • 5×Lyft rides
  • 3×Online groceries

Key benefits

  • Complimentary Apple TV · $156
  • Complimentary DashPass Membership · $120
  • Global Entry, TSA PreCheck, or NEXUS Credit · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash Non-Restaurant Promo · $10
Full Chase Sapphire Preferred 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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