Amex Schwab Platinum
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| Dining | 1x | 1.4% |
| Groceries | 1x | 1.4% |
| Gas | 1x | 1.4% |
| Everything else | 1x | 1.4% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Credits (14)
Schwab Appreciation Bonus ($10M+)
Annual $1,000 credit for Schwab holdings over $10 million. Requires eligible Schwab account.
$600 Hotel Credit
Get up to $300 in statement credits semi-annually (up to $600 annually) when you use your Platinum Card to prepay for eligible bookings through American Express Travel at Fine Hotels + Resorts or The Hotel Collection. Enrollment required.
$400 Resy Credit
Get up to $100 in statement credits each quarter when you use your Platinum Card at U.S. Resy restaurants and for other eligible purchases through Resy. That's up to $400 annually. Enrollment required.
$25 Monthly Digital Entertainment Credit
Get up to $25 in monthly statement credits when you pay for select digital subscriptions with your Platinum Card. Eligible services include Disney+, ESPN+, Hulu, The New York Times, Peacock, Paramount+, YouTube Premium, YouTube TV, and more. Enrollment required.
$300 Lululemon Credit
Get up to $75 in statement credits each quarter when you use your Platinum Card for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 annually. Enrollment required.
$300 Equinox Credit
Up to $300 in statement credits annually for Equinox fitness club membership
$189 CLEAR Plus Credit
Receive up to $189 in statement credits each calendar year when you use your Platinum Card to pay for a CLEAR Plus membership. CLEAR Plus helps you get through airport security faster.
Schwab Appreciation Bonus ($1M-$10M)
Annual $200 credit for Schwab holdings between $1 million and $10 million. Requires eligible Schwab account.
$200 Airline Fee Credit
Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card account.
$200 Oura Ring Credit
Receive up to $200 in statement credits each calendar year when you use your Platinum Card to purchase an Oura Ring at Ouraring.com. Enrollment required.
$15 Monthly Uber Credit
Up to $200 in Uber Cash annually ($15 per month, $35 in December)
$12.95 Monthly Walmart+ Credit
Get up to $12.95 in statement credits each month when you pay for a monthly Walmart+ membership with your Platinum Card. That's up to $155 in value annually.
$120 Global Entry/TSA PreCheck Credit
Receive up to $120 in statement credits every 4 years when you use your Platinum Card to pay for your Global Entry ($120) or TSA PreCheck ($78) application fee.
Schwab Appreciation Bonus ($250K-$1M)
Annual $100 credit for Schwab holdings between $250,000 and $1 million. Requires eligible Schwab account.
Status & Elite Perks (5)
Centurion Lounge Access
Complimentary access to Centurion Lounges worldwide
$120 Uber One Credit
Get up to $120 in statement credits each calendar year when you use your Platinum Card to pay for the full cost of an auto-renewing Uber One membership. Enrollment required.
Hilton Honors Gold Status
Complimentary Hilton Honors Gold Status. Enjoy benefits like room upgrades upon check-in when available, bonus points earning, and late checkout.
Marriott Bonvoy Gold Elite Status
Complimentary Marriott Bonvoy Gold Elite Status. Enjoy benefits like room upgrades upon check-in when available, late checkout, and bonus points earning.
1.1cpp Schwab Redemption
Redeem Membership Rewards points at 1.1 cents per point into eligible Schwab accounts (up to 1 million points per year, then 0.8cpp).
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 19 Amex Schwab Platinum benefits automatically — redemption progress, reset dates and expiry alerts.