Appreciation Bonus要到周年才有。是schwab给，但是是post to amex statement. Schwab的人通常clueless
Schwab Appreciation Bonus Measurement Dates
Your Qualifying Schwab Holdings will be measured (a) within five business days of Card account approval and (b) on the first calendar day of your annual Card account renewal month (each date, a “Measurement Date”). If on a Measurement Date your Qualifying Schwab Holdings are: (i) equal to or greater than $250,000 and less than $1,000,000, you will receive a $100 Card statement credit; or (ii) equal to or greater than $1,000,000, you will receive a $200 Card statement credit.