1. Card guides
  2. Platinum Card from American Express for Charles Schwab

How to use the Platinum Card from American Express for Charles Schwab Schwab Appreciation Bonus

The American Express Platinum Card from American Express for Charles Schwab Schwab Appreciation Bonus is worth $100, $200, or $1,000 after holdings. It resets every December 31, and unused value in a window doesn’t carry into the next one. The current window closes December 31, 2026.

Value$100, $200, or $1,000 after holdings
ResetsCalendar year
This window closesDecember 31, 2026

What it is

A statement credit when qualifying Schwab holdings, measured after card approval and annually thereafter, are at least $250,000 ($100), $1,000,000 ($200), or $10,000,000 ($1,000). This is relationship-gated, not an always-on credit.

Summarized from American Express’s published terms, checked October 22, 2026. Terms change — confirm details with American Express before you rely on them.

When it resets

One window per calendar year, ending December 31.

The current window closes on December 31, 2026 — 70 days from today.

How not to lose it

  • This resets with the calendar year. December is when most people remember, so book early if availability is limited.
  • Don’t wait for the last day. Statement credits can take days to post, and a purchase that settles after the window closes may not count.
  • Pay with the Platinum Card from American Express for Charles Schwab. The credit only follows purchases charged to the card that carries it.

Quick answers

How much is the Platinum Card from American Express for Charles Schwab Schwab Appreciation Bonus?

$100, $200, or $1,000 after holdings. A statement credit when qualifying Schwab holdings, measured after card approval and annually thereafter, are at least $250,000 ($100), $1,000,000 ($200), or $10,000,000 ($1,000). This is relationship-gated, not an always-on credit.

When does the Platinum Card from American Express for Charles Schwab Schwab Appreciation Bonus reset?

One window per calendar year, ending December 31. The current window closes on December 31, 2026.

How do I remember to use the Platinum Card from American Express for Charles Schwab Schwab Appreciation Bonus?

Add the Platinum Card from American Express for Charles Schwab to CardSmart, a free iPhone and Android app. It shows which credits are still unused and reminds you before each window closes. No card number or bank login needed.

Other Platinum Card from American Express for Charles Schwab credits