Macy's American Express Card vs Charles Schwab Investor Credit Card from American Express

Side-by-side comparison of Macy's American Express Card and Charles Schwab Investor Credit Card from American Express. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Macy's American Express Card	Charles Schwab Investor Credit Card from American Express
Issuer	Citibank	American Express
Network	American Express	American Express
Card Material	Plastic	Plastic
Annual Fee	$0.00	$0.00
Base Rate	1.00%	0.00%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	3%	2.7%
Lifecycle	Active	Active

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	0.0% (base)
Restaurants	3.0%	0.0% (base)
Gas Stations	2.0%	0.0% (base)
Supermarkets	2.0%	0.0% (base)
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	10.99% - 18.99%	12.74% - 21.74%
Cash Advance APR	21.24%	21.99%
Penalty APR	21.49%	26.74%
Late Fee	$41	$40
Balance Transfer Fee	undefined% (min $0)	N/A

Insurance & Protections

Auto Rental	—	—
Trip Cancellation Interruption	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Citi 8/65	Standard