Snapshot

Charles Schwab Investor Credit Card from American Express
Charles Schwab Investor Credit Card from American Express
 Gemini Credit Card
Gemini Credit Card
IssuerAmerican ExpressWebBank (Gemini)
NetworkAmerican ExpressMastercard
Card MaterialPlasticMetal
Annual Fee$0.00$0.00
Base Rate0.00%1.00%
Travel Rewards0.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee2.7%0%
LifecycleActiveAvailable

Welcome Offer

BonusNoneNone
Spend Requirement——
Timeline——

Rewards Breakdown

Base Rate0.0% (base)1.0% (base)
Restaurants0.0% (base)3.0%
Supermarkets0.0% (base)2.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR12.74% - 21.74%17.49% - 29.49%
Cash Advance APR21.99%29.49%
Penalty APR26.74%N/A
Late Fee$40$40
Balance Transfer FeeN/AN/A

Insurance & Protections

Auto Rental—Secondary
Baggage Delay——
Baggage Loss——
Cell Phone Protection——
Extended Warranty——
Purchase Protection——
Return Protection——
Trip Cancellation Interruption——
Trip Delay——
Tsa Precheck Global Entry——

Usability & Experience

Digital WalletN/AN/A
Instant Card Number——
Credit BureausN/AN/A

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard