Platinum (Schwab)

Coverage of up to $10,000 per covered trip (up to $20,000 per card per 12-month period) for non-refundable travel expenses if a trip is cancelled or interrupted due to a covered reason.

Coverage for lost, damaged, or stolen baggage up to $3,000 for carry-on and $2,000 for checked bags ($1,000 sublimit for certain electronics/jewelry).

Reimbursement of up to $500 per covered trip for reasonable additional expenses (meals, lodging) if a common carrier trip is delayed more than six hours.

Up to $200 in statement credits per calendar year for incidental fees (such as checked bags and in-flight refreshments) charged by one selected qualifying airline.

Up to $200 in statement credits per year for prepaid bookings made through American Express Travel at Fine Hotels + Resorts or The Hotel Collection properties.

Statement credit of up to $100 for Global Entry application fee (or up to $85 for TSA PreCheck) once every 4.5 years.

Complimentary Marriott Bonvoy Gold Elite status, providing benefits such as room upgrades when available, late checkout, and bonus points on stays.

24/7 access to a personal concierge service that can assist with dining reservations, event tickets, travel arrangements, and other lifestyle requests.

Complimentary Avis Preferred Plus status, providing expedited car rental service and potential upgrades.

Secondary coverage for damage to or theft of a rented vehicle when the full rental cost is charged to the card and the card's coverage is declined at the counter.

Exclusive to the Schwab Platinum variant: cardmembers can redeem Membership Rewards points for a deposit into an eligible Schwab brokerage account at a rate of 1.1 cents per point.

Complimentary access to American Express Centurion Lounges worldwide for the primary cardmember and up to two guests (guest fees may apply under certain access policies).

Complimentary Priority Pass Select membership providing access to 1,300+ airport lounges worldwide; does not include guest access for free.

Complimentary access to select partner lounges including Escape Lounges, Plaza Premium Lounges, and Lufthansa Lounges when traveling on a same-day qualifying flight.

Access to discounted first- and business-class fares on select international airlines when booking through American Express Travel.

Complimentary access to Delta Sky Club lounges when flying on a same-day Delta-operated flight.

Complimentary Hilton Honors Gold status, providing room upgrades, complimentary breakfast at eligible properties, and bonus points on stays.

Complimentary Hertz Gold Plus Rewards Five Star status, providing expedited rental service, potential upgrades, and access to the widest car selection.

Access to the Fine Hotels + Resorts program, which provides benefits such as room upgrades, early check-in, late checkout, daily breakfast for two, and a unique property amenity worth at least $100.

Network-wide rotating statement-credit and bonus offers from travel, dining and retail partners.

24/7 emergency coordination for medical, legal, financial or travel help when 100+ miles from home.

Coverage for eligible purchases against accidental damage or theft for up to 90 days from purchase, up to $10,000 per claim and $50,000 per card per year.

Extends the original manufacturer's warranty by one additional year on eligible purchases with warranties of five years or less.

Up to $300 in statement credits per year ($25 per month) for Equinox gym memberships or the Equinox+ digital fitness app.

Up to $240 in statement credits per year ($20 per month) for eligible digital entertainment subscriptions including Disney+, Hulu, ESPN+, Peacock, and The New York Times.

Up to $200 in Uber Cash per year ($15 per month, plus a $20 bonus in December) for use with Uber rides or Uber Eats in the U.S.

Up to $189 per year in statement credits toward a CLEAR Plus airport/stadium security expediting membership.

Monthly statement credit covering the cost of a Walmart+ membership when the monthly fee is charged to the card.

Up to $100 in statement credits per year for purchases at Saks Fifth Avenue, split as $50 from January through June and $50 from July through December.

$895 Annual Fee