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American Express® Platinum for Morgan Stanley
American Express

American Express® Platinum for Morgan Stanley

A $895-a-year travel rewards card from American Express.

Transfers to airlines & hotels
Annual fee
$895/yr
Welcome bonus
80,000 Membership Rewards® Points
Min spend
$12,000 in 6 months
Recommended credit
Excellent (720+)
Network
Amex
Foreign transaction fee
None
Apply on American Express site8.7/10Our rating · review ›

Rates, fees, and full terms are set by American Express and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: American Express application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on travel and want travel rewards they can grow.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $895 annual fee.

Earning rates

Redeem Membership Rewards points as cash into your Morgan Stanley or E*TRADE account at 1 cent each
5x points on flights booked direct or via Amex Travel (up to $500k/yr) and 5x on prepaid hotels via Amex Travel

Best ways to earn & redeem

Put your travel spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its travel rate is among the stronger ones you will find in that category.

When you cash in, transfer the points to airline and hotel partners for potential outsized value, or take a flat 1 cent as cash or travel. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

Carries all the same premium benefits as the standard Amex Platinum, plus Morgan Stanley extras
$895 Annual Engagement Bonus can fully offset the annual fee if you hold a Morgan Stanley Platinum CashPlus account
Access to 1,550+ airport lounges including Centurion Lounges and Priority Pass Select
The full 2026 Platinum credit lineup: $600 hotel, $400 Resy dining, $300 digital entertainment, $300 Lululemon, $300 Equinox, $200 Oura Ring, $200 Uber Cash, $200 airline fee, $120 Uber One, $189 CLEAR Plus, and Walmart+ credits (the Saks credit ended July 2026)
Global Entry or TSA PreCheck fee credit; automatic Marriott Bonvoy Gold and Hilton Honors Gold status
Requires a Morgan Stanley or E*TRADE brokerage account
No foreign transaction fees
Complimentary Hertz President's Circle, Avis Preferred, and National Emerald Club Executive elite rental status

Lounge access

The Centurion Lounge and Sidecar by The Centurion Lounge
Priority Pass Select membership, airport lounges only (U.S. Amex cards no longer include Priority Pass restaurants)
Delta Sky Club when flying Delta same-day: 10 visits per year, unlimited after $75,000 in annual spend; no free guests ($50 per guest)
Escape, Plaza Premium, Airspace and other Global Lounge Collection lounges (1,550+ lounges across 500+ airports)

Statement credits

$600 hotel credit ($300 semi-annually)
$400 Resy dining credit annually
$300 digital entertainment credit ($25/month)
$300 Lululemon credit ($75/quarter)
$300 Equinox credit annually
$200 Oura Ring credit annually
$200 Uber Cash annually ($15/month)
$120 Uber One membership credit ($10/month)
$200 airline fee credit annually
$189 CLEAR Plus credit annually
$155 Walmart+ credit ($12.95/month)
Global Entry or TSA PreCheck fee credit (~$100)

Transfer partners

Your Membership Rewards transfer directly to airline and hotel loyalty programs, usually at 1:1. That is where transferable points beat flat cash back, because the right award can be worth well over 1 cent each. Major partners include:

Airline partners

Delta SkyMiles, British Airways, Air France/KLM, Singapore Airlines, ANA, Avianca LifeMiles, Emirates Skywards

To see what a specific flight award actually costs, look up live mileage prices and seat availability on seats.aero.

Hotel partners

Marriott Bonvoy, Hilton Honors, The Leading Hotels of the World

You can check the live points price for a specific stay on rooms.aero.

See the full American Express ecosystem, card lineup, and live transfer bonuses →

Alternatives to the American Express® Platinum for Morgan Stanley

Pairs well with

The American Express® Platinum for Morgan Stanley earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

Learn more

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the American Express® Platinum for Morgan Stanley lands.

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