Morgan Stanley Platinum Card® from American Express
Basic Information
Program ID: morgan-stanley-credit-card
Issuer: American Express
Card Type: Credit
Network: American Express
Card Tier: Platinum
Data Complete: Yes
Created: 01/07/2026 07:52
Last Scraped: 01/15/2026 05:49
Fee Structure
| Annual Fee: | $695.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $195.00 |
| Authorized User Fee: | $195.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $75,000.00
Spending Requirement: $7,000.00
Time Period: 180 days
Bonus Timing: Bonus points are typically credited to your Membership Rewards account 8-12 weeks after you have met the spending requirement, though often sooner.
Rewards Program
Reward Type: Membership Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Flights booked directly with airlines or via American Express Travel, 5x Prepaid Hotels booked via American Express Travel
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: Airlines: Aer Lingus, Aeromexico, Air Canada, Air France-KLM, ANA, Avianca, British Airways, Cathay Pacific, Delta, Emirates, Etihad, Hawaiian Airlines, Iberia, Qantas, Qatar Airways, Singapore Airlines, Virgin Atlantic. Hotels: Choice Privileges, Hilton Honors, Marriott Bonvoy.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $85.00
- Hotel Status: Hilton Honors Gold, Marriott Bonvoy Gold Elite
Approval Criteria
Recommended FICO Range: 700 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: American Express enforces a 'one welcome bonus per card per lifetime' rule, meaning you can only receive the welcome offer for the Morgan Stanley Credit Card once. Additionally, applicants are generally limited to a maximum of 2 credit card approvals within a 90-day period across all American Express credit card products. Eligibility for the Morgan Stanley Credit Card specifically requires the applicant to be a Morgan Stanley Smith Barney LLC brokerage client with an eligible account.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 6 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Amex cards, rapid spending on new accounts without corresponding income, cycling credit limits, frequent balance transfers to new cards, abuse of card benefits (e.g., return protection, extended warranty), not paying bills on time, or applying for excessive credit in a short period.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.2 / 5.0
Top Positive Feedback:
Excellent travel benefits including lounge access, valuable statement credits, strong rewards on eligible purchases, and exclusive benefits for Morgan Stanley clients, especially the annual fee credit.
Top Negative Feedback:
High annual fee (though often offset by credits for target users), rewards structure can be complex, and benefits require active management to maximize.
Approval Experience Score: 88.0 / 100
Recommended Alternatives
- American Express Platinum Card
- Chase Sapphire Reserve
- American Express Gold Card
Card Value Score: 92.0 / 100
Est. Annual Rewards: $4,875.00
User Portfolio Metrics
Avg Portfolio Size: 5 cards
Avg Portfolio Age: 180 months
Store vs Co-brand: 95% General / 5% Co-brand Specific Benefits
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0