American Express · Personal
Charles Schwab Investor Card
A no-annual-fee card earning cash back: 1.5× on everything.
- Annual fee
- $0No annual fee
- Signup bonus
- $200Spend $1,000 in purchases on your Schwab Investor Card® from American Express
- Top rate
- 1.5×All Other
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus cash · spend $1,000 in purchases on your Schwab Investor Card® from American Express in the first 3 months of Card Membership | $200 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $200 | $0 |
The bonus needs $1,000 in purchases on your Schwab Investor Card® from American Express in the first 3 months of Card Membership.
Earning structure
1 category, 1 rate
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| All Other | 1.5× | $1.50 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- American Express
- Bank
- American Express
- Point system
- Cash back
- Foreign transaction fee
- Yes, 2.7%
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Application rules1
- Charles Schwab Account
Application requires a Charles Schwab investment account.
Alternatives
Head to head with similar cards
 Charles Schwab Investor Card |  American Express Blue Cash EveryDay |  Delta SkyMiles Blue |  AAFES Military Star | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $0Same | $0Same |
| Signup bonus | $200 | $200 | 10,000 pts | None |
| Top rate | 1.5×All Other | 3×3 categories | 2×Airfare (Portal), Dining | 2×All Other |
| Travel value * | –Cash back | –Cash back | 1.17¢SkyMiles | –Cash back |
| Why it’s here | This card | Also no annual fee | Also no annual fee | Also no annual fee |
Points can only be redeemed for deposit into an eligible Schwab account (Brokerage, IRA, etc.). Points are automatically redeemed as cash back at 1cpp in the form of deposits, giving you a simple, automated way to grow your investments.
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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