Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.74% - 17.74%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
Starting at 700
Annual Fee
$0
Schwab Investor Card® from American Express Review
This is a rewards card issued by Charles Schwab. If you're wondering whether Schwab Investor Card® from American Express is the right card for you, read on.
Key Takeaways
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- APRs: Schwab Investor Card® from American Express has a variable regular purchase APR that ranges from 14.74% up to 17.74%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2.7% every time you make a transaction outside the U.S.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Schwab Investor Card® from American Express
| The Good | The Bad |
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Schwab Investor Card® from American Express FAQ
Does Schwab Investor Card® from American Express have a cash back or rewards program?
Schwab Investor Card® from American Express is a rewards card.
| Description |
Does Schwab Investor Card® from American Express have a signup bonus?
This card doesn't offer a cash signup bonus.Does Schwab Investor Card® from American Express offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Schwab Investor Card® from American Express benefits?
Schwab Investor Card® from American Express provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Schwab Investor Card® from American Express?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Schwab Investor Card® from American Express has a variable purchase APR that ranges from 14.74% up to 17.74%. Schwab Investor Card® from American Express does not offer balance transfers. 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 Schwab Investor Card® from American Express have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Schwab Investor Card® from American Express does not offer balance transfers.Does Schwab Investor Card® from American Express have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for Schwab Investor Card® from American Express?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2.7% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
There is a late fee of up to $40 . Does Schwab Investor Card® from American Express have a foreign transaction fee?
Schwab Investor Card® from American Express charges a foreign transaction fee of up to 2.7%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $54. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Schwab Investor Card® from American Express?
The customer service number for Schwab Investor Card® from American Express is (877) 824-5625.
What is the support contact email for Schwab Investor Card® from American Express?
The support contact email for Schwab Investor Card® from American Express is accessibilityhelp@schwab.com.
How do people rate the customer service and user experience of Schwab Investor Card® from American Express?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Schwab Investor Card® from American Express report your account activity to credit bureaus?
Yes, Schwab Investor Card® from American Express reports to the following credit bureaus:
- 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 build your credit.
Does Charles Schwab perform a hard credit pull?
Yes, Schwab Investor Card® from American Express performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Schwab Investor Card® from American Express
- Visit the website of Schwab Investor Card® from American Express.
- 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
Headquarters
211 Main Street
San Francisco, CA 94105
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Purchase APR
16.74% - 23.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
Starting at 700
Annual Fee
$695
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