Schwab Investor Card from American Express

Earn rates · how we got this

Non-cash perks

• Amex Offers access
• Return Protection
• Extended Warranty
• 0% introductory APR on purchases for 6 months from account opening, then a variable 19.49%-28.49% APR

Does the fee earn out? · how we got this

No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.

Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.

Who this card is not for

Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:

• Anyone who spends abroad. Every purchase in a foreign currency carries a 2.7% foreign transaction fee. On a card earning 1.5¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.

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