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CardCurator — Rewards Intelligence
Card Comparison

IHG One Rewards Premier Credit Card vs The Platinum Card from American Express Exclusively for Charles Schwab

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

IHG One Rewards Premier Credit Card card art
IHG One Rewards
IHG One Rewards Premier Credit Card
Chase
More Info
The Platinum Card from American Express Exclusively for Charles Schwab card art
American Express Membership Rewards
The Platinum Card from American Express Exclusively for Charles Schwab
American Express
More Info
Annual Fee
$99/yr
$895/yr
Foreign Fees
None
None
Signup Bonus
175,000 points
Spend $5,000 in 3 months
150,000 points
Spend $12,000 in 6 months
Top Earn Rates
  • IHG Hotels and Resorts 10x
  • Travel 5x
  • Dining 5x
  • Flights (Direct or Amex Travel) 5x
  • Prepaid Hotels (Amex Travel) 5x
  • All Other Purchases 1x
Reward Type
miles
miles
Key Credits
  • Statement Credit $100
  • Statement Credit $120
  • Statement Credit $50
  • Hotel Credit $300
  • Uber Cash $200
  • Uber One Credit $120
  • +2 more
Card Perks
  • 4th award night free
  • Platinum Elite Status
  • Centurion Lounge Access
  • Priority Pass Select
  • Fine Hotels + Resorts
  • +2 more
Spend Milestones
  • 100 Statement Credit
    After $20,000 spend
  • 10000 points
    After $20,000 spend
No milestones
Transfer Partners
No transfer partners
  • Flying Blue
  • Delta SkyMiles
  • True Blue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
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Common Questions: IHG One Rewards Premier Credit Card vs The Platinum Card from American Express Exclusively for Charles Schwab

Is the IHG One Rewards Premier Credit Card or The Platinum Card from American Express Exclusively for Charles Schwab better for dining?

IHG One Rewards Premier Credit Card earns 5x on dining; The Platinum Card from American Express Exclusively for Charles Schwab has no dining bonus.

Which has the higher signup bonus in 2026?

IHG One Rewards Premier Credit Card currently offers 175,000 pts signup bonus (spend $5,000 in 3 months). The Platinum Card from American Express Exclusively for Charles Schwab offers 150,000 pts signup bonus (spend $12,000 in 6 months). The Platinum Card from American Express Exclusively for Charles Schwab has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the IHG One Rewards Premier Credit Card and the The Platinum Card from American Express Exclusively for Charles Schwab?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. IHG One Rewards Premier Credit Card is from Chase and The Platinum Card from American Express Exclusively for Charles Schwab is from American Express, so they're governed by separate bank policies.