Platinum (Schwab)

Credit Card Offer

Advanced

Sign-Up Bonus Value

$800(80,000 american express points)

Requirement

$8,000 spend in 6 months

Time to Complete

180 days

Year 1 Value

Sign-up Bonus$800

Ongoing Rewards (est.)$1,479

Annual Fee-$895

Net Year 1 Value$1,384

Year 2+ Ongoing Value

Ongoing Rewards (est.)$1,479

Annual Fee-$895

Net Year 2 Value$584

Values are estimated based on publicly available offer terms and typical spending patterns. Actual value depends on your spending habits, redemption methods, and eligibility. Point values use standard transfer partner valuations.

Earning Rates

Flights booked directly or via Amex Travel5x

Prepaid hotels via Amex Travel5x

All other purchases1x

Offer Details

Annual Fee

$895

Credit Score Needed

Excellent

Best For

Other

Credit Impact

Medium

Spending Timeframe

6 months

Difficulty

Advanced

Verification

Source

scraped

Last Verified

Aug 17, 2026

Bonus Value

$800

$895/yr fee

Clicking "Apply Now" takes you to American Express's website. BonusMax AI does not process applications.

Quick Facts

180 days to complete
Advanced difficulty
$8,000 spend in 6 months
Excellent credit recommended

Offer details may change. Always verify current terms on American Express's official website before applying.

BonusMax AI provides educational financial information only. We are not a financial advisor, bank, or credit card issuer. Offer values are estimates and may differ from actual results. Always review the issuer's terms and conditions before applying.