Platinum for Charles Schwab
Requires an eligible Schwab account
Credits 14
Every statement credit on this card, how often it comes back and when it resets. Together they’re worth up to $3,124 a year in cash credits, not counting ones you unlock by spending, points or free nights.
Every month
$15 Uber Cash monthly after adding the card to your Uber account; U.S. rides and Eats orders; expires at month end.
How to activate: Add the card to your Uber account first; the Uber Cash is only deposited once it's there.
Up to $25/month on subscriptions bought directly from Disney+, ESPN streaming, Hulu, Paramount+, Peacock, The New York Times, The Wall Street Journal or YouTube (YouTube Premium including Premium Lite, YouTube Music and YouTube TV). Peacock counts only for standalone plans, not add-ons or bundles.
Up to $12.95 plus tax each month for one monthly Walmart+ membership charged to the card.
Every quarter
Up to $100 per calendar quarter on eligible purchases at qualifying U.S. Resy restaurants and other food and drink spots; since Sept 15, 2026 prepaid Tock reservations and deposits at U.S. venues count too.
Up to $75 per calendar quarter at U.S. lululemon stores, online or in the lululemon app; outlets, warehouse sales, Like New, lululemon Studio and gift cards are excluded.
Every 6 months
Up to $300 Jan–Jun and $300 Jul–Dec on prepaid FHR or The Hotel Collection (2-night minimum) bookings through Amex Travel.
Every year
Statement credit based on qualifying Schwab holdings, measured a few business days after account approval and again at the start of each renewal month; Schwab Private Wealth Services and Advisor Services Ultra-High Net Worth members get $1,000. One bonus per card year, and it may be taxable.
Condition: Qualifying Schwab holdings of $250,000+ ($200 at $1M+, $1,000 at $10M+), or membership in Schwab Private Wealth Services or Advisor Services Ultra-High Net Worth ($1,000)
Extra $20 Uber Cash in December ($35 that month; $200/yr total).
How to activate: Add the card to your Uber account first; the December Uber Cash is only deposited once it's there.
Up to $120 per calendar year for an auto-renewing Uber One membership.
Up to $200 per calendar year for incidental fees on one airline picked in advance: Alaska, American, Delta, JetBlue, Southwest or United. You can switch once a year in January; tickets, upgrades, miles and gift cards don't count.
How to activate: Choose your one qualifying airline in the Amex app or website before paying airline fees.
Up to $219 per calendar year for CLEAR+ paid with the card.
Up to $200 per calendar year on Oura Ring hardware bought at ouraring.com (U.S.); memberships and accessories don't count. Enrollment required.
Up to $300 per calendar year on an eligible U.S. Equinox club membership or a standalone Equinox+ subscription paid with the card; Equinox+ bought inside its app or through a third party doesn't count.
Every few years
Either $120 for Global Entry or up to $85 for TSA PreCheck (through an official enrollment provider), once every 4 years for whichever you apply for first.
Perks 13
Benefits you use rather than credits that post to your statement.
Unlimited cardmember visits, normally within 3 hours of departure. Since July 8, 2026 layover entry is capped at 5 hours and guests must be on your flight; guests cost $50 unless you spend $75,000 in a calendar year.
10 visits per card each year (reset Feb 1) when flying a same-day Delta flight, not Basic Economy; one visit covers 24 hours. Unlimited after $75,000 in calendar-year spend; extra visits and guests cost $50 each.
Enrollment required; two guests free where applicable.
On Fine Hotels + Resorts bookings through Amex Travel: daily breakfast for two, a $100 property credit, guaranteed 4pm checkout, free Wi-Fi, and a room upgrade and noon check-in when available.
Complimentary with enrollment.
$100 property credit on Hotel Collection stays of 2+ nights booked through Amex Travel, plus a room upgrade, noon check-in and 4pm late checkout when available.
Avis Preferred Plus, Hertz President's Circle and National Emerald Club Executive after enrolling through your Amex account. If you enrolled in Hertz President's Circle before July 9, 2026, enroll again by Dec 31, 2026.
Complimentary Leaders Club Sterling status at The Leading Hotels of the World: a 5% points bonus on qualifying stays and 5 pre-arrival upgrades a year when available. Join Leaders Club first, then enroll through Amex.
Escape Lounges (including Centurion Studio Partner locations) and Plaza Premium lounges, each with two free guests, Sidecar by The Centurion Lounge (entry within 90 minutes of departure), and other partner lounges in the collection. Lufthansa lounge access ended Oct 1, 2026.
Link the card to Resy for reservations held for cardmembers, early Priority Notify alerts and special events, plus Platinum Nights tables on select nights in select cities; tables are not guaranteed.
Cruises of 5+ nights booked through Amex Travel with a participating line come with $100–$300 onboard credit per stateroom (by line) plus an extra amenity, for up to 3 staterooms.
Discounted fares on select airlines when booked through Amex Travel and paid with the card: mostly first, business and premium economy, plus some economy and a few U.S. routes. Covers you and up to 7 others on the same booking.
$300 back on each SoulCycle At-Home Bike bought online from Equinox+ with the card, which needs a 12-month Equinox+ membership; up to 15 bikes a calendar year.
Also included
- Redeem Membership Rewards into an eligible Schwab account (1.1¢/pt up to 1M points per year)
- No foreign transaction fees
- Trip delay and cancellation insurance
- Cell phone protection
Before you apply
American Express’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
No more than two new Amex credit cards in a 90-day span. Charge cards such as Platinum, Gold and Green are left out of the count. A third credit card application within 90 days is usually turned down.
One new Amex credit card every 5 days at most. A second application within 5 days usually sits in pending until the 5 days are up.
You can usually have up to 5 Amex credit cards open at the same time. Charge cards are separate. With 5 open, new Amex credit cards get declined. Closing or downgrading one frees a spot.
Never miss one of these credits
Add the Platinum for Schwab to Premium IC, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
Last checked Oct 16, 2026. Spot something out of date? Tell us.