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Morgan Stanley Amex Platinum

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welcome offer

Earn 100,000 points after spending $6,000 within the first 6 months. Plus earn 10 points at restaurants worldwide and when you Shop Small in the U.S. on up to $25,000 in combined purchases within the first 6 months (terms apply).

Bonus Value

Approximately $4550*

Annual Fee

$695

Card Rewards

5 points on flights booked directly with airlines and Amex Travel on the first $500,000 you spend within a calendar year

5 points on prepaid hotels booked directly with Amex Travel

1 point everywhere else

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The Morgan Stanley Amex Platinum card is a luxury travel card with many benefits for travel and hotel stays in general. You get 5 points for flights booked directly through airlines, a $200 annual airline incidental fee credit, free global entry and TSA precheck, complimentary Hilton and Marriot Gold status, and free access to over 1,200 airport lounges worldwide. Amex also offers Platinum concierge service. Get $15 in Uber cash for monthly rides, up to $200 annually. The card also has many great travel and purchase protections like return protection, baggage insurance, and more!

Card-Smart Tips & Advice
  • Credit: Good credit needed
  • You must have a Morgan Stanley Account: You must have a Morgan Stanley investment account in order to be eligible for the card
  • Amex 90-day rule: In a time span of 90 days, you can only get approved for 2 Amex cards
  • Max cards: You can only get approved for up to-and including- 10 Amex No Preset Spending Limit* cards. (This rule is not always enforced)
  • Only one Platinum in 90 days: Amex has three personal Platinum cards 1) The Amex Platinum 2) The Morgan Stanley Platinum, 3) The Schwab Platinum. You can only get one of the three Platinums in a 90 day period.
  • Credit bureau: Amex will usually pull your Experian credit report
  • Combining same-day credit inquiries: Credit inquiries for same-day applications will be combined, as long as they are both approved for on the same day. Note, for some existing Amex credit cardholders, Amex will not do a hard credit pull when applying for a new credit card at any time
  • Check application status: You can check your application status  here  or call 1 800 567 1083
  • Reconsideration: If declined you can call 1 800 567 1083 to be reconsidered
  • Quickest way to get my card: Amex will sometimes give you an instant credit card number after approval, but not always. Amex Platinum physical cards will automatically be expedited and delivered overnight.

  • Engagement bonus: You can get a $695 Engagement Bonus to go towards the annual fee every year if you open both a Morgan Stanley investment account and a Morgan Stanley Platinum CashPlus account. Plus, keep at least $5,000 monthly in the investment account. Read more details here.
Card Details And Benefits
Foreign Transaction Fee

No foreign transaction fee.

Upgraded Status

Hilton Gold status.

Marriott Gold status.

Uber VIP.

National Emerald Club Executive status.

Avis Preferred Club status (publicly available).

Hertz Gold Plus status, plus, get free upgrades, an extra 4 hours to return your car, and one free additional driver.

Credits

New! Free Walmart+ Membership. Get a $12.95 monthly credit to cover the full cost of a Walmart+ membership.

Get a $200 airline incidental fee credit each calendar year.

New! Get a $200 statement credit each calendar year on prepaid Fine Hotels and Resorts and The Hotel Collection bookings through Amex Travel.

New! Get a $240 Digital Entertainment credit, up to $20 per month, on purchases at the following providers: Peacock, Audible, SiriusXM, and New York Times.

Get $15 in Uber Cash credits for U.S. rides each month plus a bonus of $20 in December, which is a total of up to $200 annually.

New! Get a $300 Equinox statement credit, $25 per month on select memberships. Enrollment is required.

New! Get a $179 CLEAR statement credit per year.

Global Entry and TSA pre-check

Get a statement credit for Global Entry or TSA Pre-Check every 4-4.5 years.

Lounge Access

Access to 1,200+ airport lounges, with a complimentary membership to Priority Pass Select:

Centurion Lounges

AirSpace Lounges

Escape Lounges

Delta Skyclub lounges (when flying Delta)

Select Lufthansa lounges (when flying Lufthansa, Austrian Airlines, or Swiss)

Trip Cancellation Insurance

Coverage for canceled or interrupted travel due to an unforeseen medical emergency etc. Max $10,000 per person per trip, max $20,000 per year for non-refundable travel expenses including flight tickets, hotels, and more.

Auto Rental Collision Insurance

Secondary worldwide coverage on rentals up to 30 days (excluding Australia, Italy, and New Zealand). Max $75,000. You can purchase an Amex premium plan that will offer primary coverage up to 42 days. Max $100,000.

Lost Luggage Reimbursement

Get up to $2,000 per person for lost or damaged luggage. Max $10,000 per trip for NY residents.

Trip Delay Reimbursement

If your flight is delayed for 6+ hours, you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items. Max 2 claims per year.

Return Protection

Not happy with a purchase? Get a refund on purchases that have passed the store return policy - up to 90 days from date of purchase. Max $300 per claim, max $1,000 per year.

Extended Warranty Protection

Get one additional year to your original manufacturer's warranty time. (Will only cover if the original warranty is for 5 years or less). Max $10,000 per claim, $50,000 per year.

Cell Phone Protection

Get reimbursed for up to $800 per claim (with a $50 deductible) if your cell phone is damaged or gets stolen. To activate coverage, you need to pay your monthly cell phone bill with your Platinum credit card. Max 2 claims per year.

Purchase Protection

Get refunded if your purchase is damaged, lost, or stolen, up to 90 days from the date of purchase. Max $10,000 per claim, $50,000 per year.

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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