Last updated: 8/19/2020

American Express Morgan Stanley Platinum

Earns: American Express Membership Rewards


This card is highly similar to the regular American Express Platinum card with a few variants. Good for airline spending and the perks, but you are probably better off with another card for the rest of your spend. If you’re a member of Morgan Stanley’s Premier Cash Management, you may also get an annual credit equivalent to the annual fee.

Here’s how much you would earn with this card

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See how the American Express Morgan Stanley Platinum compares to other credit cards

American Express Morgan Stanley Platinum Other Cards

Hover the dots to view other Credit Cards

Reward Rate = 5x

Value = 1.7 cents per point
Effective Value = 8.5 %


Reward Rate = 1x

Value = 1.7 cents per point
Effective Value = 1.7 %


Welcome Bonus = 60,000

Value = 1.7 cents per point
Effective Value = $1020


Annual Fee = $550

Welcome Bonus


Bonus Rating


In the top 15% of cards.


After you spend $5,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
5x Airlines




In the top 15% of cards.

1x All Other

Very Good

very good

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
American Express Membership Rewards
Gigapoints Value
1.7¢ per point
Other Card Information

Through 12/31/20, you can get up to $40 back per month in statement credits for select streaming subscriptions and wireless phone services through 12/31/20.

  • Up to $20 per month on select U.S. streaming subscriptions
  • Up to $20 per month on wireless telephone services purchased directly from U.S. service providers
Annual Fee
  • $550
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

Global Lounge Access

The American Express Global Lounge CollectionSM‡ unlocks access to more than 1,200 airport lounges across 130 countries and counting. Our unmatched worldwide coverage is made possible through our own networks, The Centurion® Lounge and The International American Express lounges, as well as our partner networks, Delta Sky Club® and Priority PassTM Select lounges.

$200 Airline Credit

Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Platinum Card® Account.

$550 Annual Enagement Bonus

Must be a member of Morgan Stanley’s Premier Cash Management program

Fee Credit for Global Entry or TSA Pre✓®

When you apply for and receive your Global Entry or TSA Pre✓®‡, not only can you get expedited screening at select airports, but you’ll receive a credit for the application fees on your statement. Receive one statement credit every 4 years after you apply for Global Entry ($100) or every 4.5 years after you apply for TSA Pre✓® ($85) with an eligible Platinum Card®. Each Additional Card on eligible Card accounts is also eligible for one statement credit for an application fee every 4 years for Global Entry and or every 4.5 years for TSA Pre✓®. To receive the statement credit, the application fee must be charged on the eligible Additional Card

Uber VIP and up to $200 in Uber Cash Each Year

Use your Uber Rides with Platinum benefit to enjoy VIP status and $15 each month in Uber Cash for U.S. rides on your Uber account. Plus get a $20 bonus in December for up to $200 each year.

Fine Hotels & Resorts program

Enjoy complimentary benefits and competitive rates with each Fine Hotels & Resorts booking at over 1,000 extraordinary properties worldwide.

Additional Platinum Cards

Earn points faster with an Additional Card to your Account for no annual fee. For the next 3 Additional Cards, the total annual fee is $175. Each Additional Card after the first 4 Cards, is $175

The Fine Print

BALANCE TRANSFER FEE Either $10 or 5% of the amount of each cash advance, whichever is greater.