American Express Platinum Card® for Schwab
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| Purchase APR (Variable APR) |
16.74% - 23.74% (Verified 08/04/2023) |
| Balance Transfer APR | N/A |
| Credit Score Range | Starting at 700 |
| Annual Fee | $695 |
American Express Platinum Card® for Schwab Review
This is a rewards card issued by Charles Schwab. If you're wondering whether American Express Platinum Card® for Schwab is the right card for you, read on.
Key Takeaways
- You can earn 100,000 Membership Rewards® points after spending $6,000 in purchases on your American Express Platinum Card® for Schwab in your first 6 months of Card Membership.
- Competitive APRs. American Express Platinum Card® for Schwab has a variable purchase APR that ranges from 16.74% up to 23.74%.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, identity theft protection, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of American Express Platinum Card® for Schwab
| The Good | The Bad |
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American Express Platinum Card® for Schwab FAQ
Does American Express Platinum Card® for Schwab have a cash back or rewards program?
American Express Platinum Card® for Schwab is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus (Points/Miles) | 100000 |
| Signup Bonus Spend Requirement | $6000 |
| Signup Bonus Spend Period (months) | 6 months |
Does American Express Platinum Card® for Schwab have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 100000 points signup bonus after spending $6000 that can be redeemed for travel, gifts, or other perks.Does American Express Platinum Card® for Schwab offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the American Express Platinum Card® for Schwab benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Cell Phone Protection
- Reports to major credit bureaus
What are the relevant APRs for American Express Platinum Card® for Schwab?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.American Express Platinum Card® for Schwab has a variable purchase APR that ranges from 16.74% up to 23.74%. It also has a variable cash advance APR of 25.99% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does American Express Platinum Card® for Schwab have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does American Express Platinum Card® for Schwab have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for American Express Platinum Card® for Schwab?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $695 |
| Overlimit Fee | $ |
| Initial Program Fee | $ |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | $40 |
| Late Payment Fee | $40 |
This card charges a $695 annual fee.
Does American Express Platinum Card® for Schwab have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for American Express Platinum Card® for Schwab?
The American Express Platinum Card® for Schwab customer service number is (877) 824-5625.
What is the support contact email for American Express Platinum Card® for Schwab?
The support contact email for American Express Platinum Card® for Schwab is accessibilityhelp@schwab.com.
What is the American Express Platinum Card® for Schwab login page?
You can access the American Express Platinum Card® for Schwab login page here.
How do people rate the customer service and user experience of American Express Platinum Card® for Schwab?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does American Express Platinum Card® for Schwab report your account activity to credit bureaus?
Yes, American Express Platinum Card® for Schwab reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for American Express Platinum Card® for Schwab
- Visit the American Express Platinum Card® for Schwab website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
211 Main Street
San Francisco, CA 94105 - (877) 824-5625
- Visit Site
- Email Support
Other Services by Charles Schwab
Other Credit Cards by Charles Schwab
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | 5% |
| Minimum Cash Advance Fee ($) | $10 |
| Foreign Currency Transaction Fee | 0% |
| No Foreign Transaction Fee | |
| Annual Fee | $695 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | $40 |
| Late Fee Amount | $40 |
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