Last updated: 8/19/2020

American Express Morgan Stanley Platinum

Earns: American Express Membership Rewards

★★★★★

GigaTake:

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

Rewards

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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

$1700

Annual Fee = $550

$695

Welcome Bonus

60,000 Points

After you spend $5,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article

Spending Rewards

5x Airlines

1x All Other

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.

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0.4¢ PER POINT

2¢+ 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

Are Annual Fees Worth It?

The GigaPoints Guide to Credit Card Annual Fees Article

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

Additional perks of owning this card

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.

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.

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

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

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.

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

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.
CASH ADVANCE APR	25.24%
LATE PAYMENTS	Up to $40.
FOREIGN TRANSACTION FEE	0%