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Card Comparison

The Platinum Card from American Express Exclusively for Charles Schwab vs The Platinum Card from American Express Exclusively for Morgan Stanley

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

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
The Platinum Card from American Express Exclusively for Morgan Stanley card art
American Express Membership Rewards
The Platinum Card from American Express Exclusively for Morgan Stanley
American Express
More Info
Annual Fee
$895/yr
$895/yr
Foreign Fees
None
None
Signup Bonus
150,000 points
Spend $12,000 in 6 months
150,000 points
Spend $12,000 in 6 months
Top Earn Rates
  • Flights (Direct or Amex Travel) 5x
  • Prepaid Hotels (Amex Travel) 5x
  • All Other Purchases 1x
  • Flights (Direct or Amex Travel) 5x
  • Prepaid Hotels (Amex Travel) 5x
  • All Other Purchases 1x
Reward Type
miles
miles
Key Credits
  • Hotel Credit $300
  • Uber Cash $200
  • Uber One Credit $120
  • +2 more
  • Hotel Credit $300
  • Uber Cash $200
  • Uber One Credit $120
  • +2 more
Card Perks
  • Centurion Lounge Access
  • Priority Pass Select
  • Fine Hotels + Resorts
  • +2 more
  • Centurion Lounge Access
  • Priority Pass Select
  • Fine Hotels + Resorts
  • +2 more
Transfer Partners
  • Flying Blue
  • Delta SkyMiles
  • True Blue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
  • Flying Blue
  • Delta SkyMiles
  • True Blue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
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Common Questions: The Platinum Card from American Express Exclusively for Charles Schwab vs The Platinum Card from American Express Exclusively for Morgan Stanley

Is the The Platinum Card from American Express Exclusively for Charles Schwab or The Platinum Card from American Express Exclusively for Morgan Stanley better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

The Platinum Card from American Express Exclusively for Charles Schwab currently offers 150,000 pts signup bonus (spend $12,000 in 6 months). The Platinum Card from American Express Exclusively for Morgan Stanley offers 150,000 pts signup bonus (spend $12,000 in 6 months). Both bonuses are roughly equal in value.

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 The Platinum Card from American Express Exclusively for Charles Schwab and the The Platinum Card from American Express Exclusively for Morgan Stanley?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from American Express, so check their specific application rules.