product

Platinum (Morgan Stanley)

Earn 80000 AMERICAN_EXPRESS signup bonus after you spend $6000 on purchases on your new Card in your first 180 days of Card Membership.


  • Annual Fee $695†¤
  • Morgan Stanley clients with an eligible brokerage account can apply
  • $0 annual fee for the first Additional Platinum Card; $195 for each subsequent one†
  • Redeem Membership Rewards points for deposits to Morgan Stanley brokerage accounts‡
  • 5X Membership Rewards points on flights and prepaid hotels through AmexTravel.com‡
  • Flexible payment options with the ability to carry a balance with interest¤ or use Plan It® for monthly payments with a fixed fee¤
  • Complimentary benefits at selected hotels, such as room upgrades and experience credits
  • $15 in Uber Cash monthly for U.S. rides and Uber Eats orders, plus a bonus $20 in December*
  • Complimentary access to the American Express Global Lounge Collection®*
  • Up to $189 in statement credits for CLEAR Plus Membership*
  • Up to $300 in statement credits for Equinox memberships or digital subscriptions*
  • No foreign transaction fees¤‡
  • Up to $200 in statement credits per calendar year for incidental airline fees*
  • Platinum Concierge service†
  • $250 Annual Statement Credit after spending $3,000 in first 6 months† *Terms and conditions apply.
  • $200 Hotel Credit
  • $20/mo Digital Entertainment Credit
  • $15/mo Uber Cash
  • $200 Airline Fee Credit
  • $155 Walmart+ Credit
  • $189 CLEAR Credit
  • $300 Equinox Credit
  • No Foreign Transaction Fees¤‡
  • Complimentary Airport Lounge Access*
  • $250 Annual Statement Credit after spending $3,000 in first 6 months†
  • Exclusive benefits for Morgan Stanley Card Members
  • Redeem Membership Rewards points for deposits to Morgan Stanley brokerage accounts
  • Access to select Platinum benefits for Additional Card Members
  • No foreign transaction fees¤‡
  • $250 Annual Statement Credit after spending $3,000 in first 6 months†
  • High annual fee of $695†¤
  • Requires a relationship with Morgan Stanley for application
  • Credits and benefits may require enrollment and have specific eligibility requirements