The The Platinum Card from American Express Exclusively for Charles Schwab is a personal credit card from The Platinum Card from American Express Exclusively for Charles Schwab. Application typically pulls a hard report from Experian. The annual fee is $895. The ongoing APR is 19.49% to 28.49% Variable after a 0% introductory rate for 6 months. Approval typically requires a credit score of 650-700 or higher. Signup bonus: 80,000 Membership Rewards ® Points after spending $8,000 in purchases on your Platinum Card ® from American Express Exclusively for Charles Schwab in your first 6 months of Card Membership.. Rewards: Earn 5X Membership Rewards ® points for flights booked directly with airlines or through American Express Travel, on up to $500,000 on these purchases per calendar year.. Cash back: 1.5% cash back automatically deposited into your eligible Schwab account for purchases made with your Card.. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: American Express application limits: 1-in-5 (max 1 personal card approval per 5-day window) AND 2-in-90 (max 2 cards approved within any rolling 90-day period). Sign-up bonuses are once-per-lifetime per card product family. Charge cards (Green/Gold/Platinum) generally don't count toward credit-card velocity rules..