I signed up for the regular Platinum this year because the 170k SUB was way better than the Schwab offer at the time. Long term though, I want the Schwab Platinum for the appreciation bonus. Trying to figure out the cleanest way to switch without paying two annual fees or doing something dumb.
Main questions I’m stuck on:
Can you get a new SUB on the Schwab Platinum if you already had the regular Platinum?
When should I cancel the current card? Before the annual fee posts, right?
Is it better to apply for the Schwab card before or after canceling the current Platinum?
I also have Amex Gold, so my MR points should be safe either way?
If anyone has done this switch recently, would love to hear how you timed it and anything you wish you knew beforehand.
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