Also one can manage to have a 3 to 5% retention bonus for 6 months may be once a year - this easily makes it to a 6/8 or 10/12% card w/ flight pts.

It really depends on how you use the card and in general, the return is HIGHER than Schwab's - but Schwab's is a straight cash rebate of 2%, some folks may like the simplicity of it.