American Express Charles Schwab 125,000 Point Bonus

The Offer

Direct link to offer

American Express Charles Schwab is offering up to 125,000 bonus points after $8,000 in spend within the first 6 months

Card Details

Annual fee of $695 is not waived the first year

Authorized Platinum cards are $175 for three user (then $175 per Platinum)

Authorized Gold cards are free

Full details here

Card earns at the following rates:

5x points per $1 spent on purchases made with airlines or with American Express Travel

5x points per $1 spent on hotel & airline bookings made directly from the American Express travel website

1x points on all other purchases

$200 airline incidental credit per calendar year

$200 Uber credit ($15 per month and additional $20 in December)

Lounge access:

Centurion lounge access

International American Express lounge access

Delta SkyClub lounge access

Priority pass select membership

Airspace lounge access

$240 digital entertainment credit.This is a credit of $20 per month and can be used on Peacock, Audible, SiriusXM and The New York Times.

$200 hotel credit.This can be used on select prepaid bookings (Fine Hotels + Resorts® and The Hotel Collection) when using American Express Travel

$179 Clear credit

Walmart+ monthly credit.Cardholders will receive a $12.95 credit (covers the full cost of membership).

$300 Equinox credit.

This is a $25 credit each month

Global Dining Access by Resy

The Global Lounge Collection

Our Verdict

Previous best offer was 100k points + 10x on shop small/restaurant purchases.We will add this to our list of the best credit card bonuses.

Disclaimer: This story is auto-aggregated by a computer program and has not been created or edited by mycardopinions.
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Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.