Morgan Stanley Platinum Card from American Express
American Express American Express Platinum Pending
14
Benefits1
Reward Categories2x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: morgan-stanley-credit-card
Issuer: American Express
Card Name: Morgan Stanley Platinum Card from American Express
Card Type: Charge
Network: American Express
Card Tier: Platinum
Approved: Pending
Data Complete: Complete
Rewards Program (Detailed) 1 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Eligible Purchases | 2x | Points | Earn 2X Membership Rewards® points on eligible purchases. | No Cap |
Rewards Summary
PENDINGReward Type: Membership Rewards Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x Flights booked directly with airlines or Amex Travel, 5x Prepaid Hotels booked via Amex Travel
Quarterly Rotating: No
Cap Amount: $500,000.00
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Point Value: 0.02¢
Travel Portal Multiplier: 1x
Transfer Partners: Delta, British Airways, Air Canada, Emirates, Singapore Airlines, ANA, Etihad, Qantas, Virgin Atlantic, Hilton, Marriott
Redemption Penalties: Excise tax offset fee for transfers to U.S. airline partners (e.g., Delta).
Benefits & Protections (Detailed) 14 Total
PENDINGFinancial 3
Annual Engagement Bonus
$150Receive a $150 Annual Engagement Bonus after you spend $15,000 or more on eligible purchases with your Card in a calendar year. The bonus will be credited to your Morgan Stanley Brokerage account.
Complimentary First Additional Card
No annual fee for first additional cardAdd your first Additional Card for a family member or friend at no annual fee. Additional Cards after the first are $175 each.
No Foreign Transaction Fees
0% foreign transaction feesNo Foreign Transaction Fees on purchases made abroad.
Purchase Protection 3
Purchase Protection
Up to $1,000 per occurrence, $50,000 per yearWhen an eligible item you purchased with your Card is accidentally damaged or stolen within 90 days of purchase, Purchase Protection can help. Coverage is limited to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
Extended Warranty
Up to 1 additional year, $10,000 per item, $50,000 per yearWhen you purchase an eligible item with your Card, you can get up to one additional year added to the original manufacturer's warranty. Applies to warranties of 5 years or less. Coverage is limited to $10,000 per item, up to $50,000 per Card Member account per calendar year.
Return Protection
Up to $300 per item, $1,000 per yearIf you try to return an eligible item within 90 days from the date of purchase and the merchant won't take it back, American Express may refund the full purchase price, up to $300 per item, up to a maximum of $1,000 per Card Member account per calendar year.
Rewards Earning 2
3X Points on Morgan Stanley Purchases
3X pointsEarn 3X Membership Rewards® points on eligible purchases made directly with Morgan Stanley.
1X Point on All Other Eligible Purchases
1X pointEarn 1X Membership Rewards® point on all other eligible purchases.
Security 1
Fraud Protection
Zero liability for unauthorized chargesShop with confidence. You're not responsible for unauthorized charges.
Shopping & Dining 1
Amex Offers
Discounts and rewardsGet access to Amex Offers for discounts and rewards at places you like to shop, dine, travel and more.
Travel Assistance 1
Global Assist® Hotline
24/7 emergency coordination and assistanceWhen you're traveling more than 100 miles from home, you can rely on Global Assist Hotline 24/7 for medical, legal, financial or other select emergency coordination and assistance services. Card Members are responsible for the costs charged by third-party service providers.
Travel Insurance 2
Car Rental Loss and Damage Insurance
Coverage for damage or theft of rental vehicleCar Rental Loss and Damage Insurance can provide coverage for damage to or theft of a rental vehicle in a covered territory when you use your eligible Card to reserve and pay for the entire rental and decline the collision damage waiver (CDW) at the rental car counter. This product provides secondary coverage and does not include liability coverage.
Baggage Insurance Plan
Up to $1,250 for carry-on, up to $500 for checked baggageBaggage Insurance Plan can provide coverage for eligible lost, damaged, or stolen baggage when you purchase the entire fare for a Common Carrier ticket (plane, train, ship, or bus) with your Eligible Card. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the Common Carrier (and any other applicable insurance).
Welcome Offer 1
Welcome Offer: 60,000 Membership Rewards Points
60,000 Membership Rewards PointsEarn 60,000 Membership Rewards® Points after you spend $5,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $100
TSA PreCheck Credit: $85
Hotel Status: Hilton Honors Gold, Marriott Bonvoy Gold Elite
Sign-Up Bonus
PENDING60,000
Points/MilesRequirement: Spend $8,000 in 180 days
Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Fee Structure
PENDING| Annual Fee: | $695.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $175.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| 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 & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Welcome bonus: One welcome bonus per specific Morgan Stanley Platinum Card product per lifetime. Application rule: Maximum 2 American Express credit card applications per 90 days. Eligibility: Applicants must have an eligible Morgan Stanley brokerage account with a qualifying relationship (e.g., Platinum CashPlus Account or other eligible investment accounts) to apply and maintain the card. General Amex eligibility requires an excellent credit score (typically 700+) and a strong credit history.
Max Cards Per Issuer: 5
Min Spend Interval: 6 months
Cliff Effect Rules: Eligibility for the welcome bonus may be restricted if you have or have had other Platinum Card products, including but not limited to The Platinum Card® from American Express, The Platinum Card® from American Express Exclusively for Charles Schwab, or The Platinum Card® from American Express for Goldman Sachs.
Special Events: N/A
Holiday Promos: N/A
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.3 / 5.0
Top Positive:
Excellent travel benefits, valuable annual fee credit for eligible Morgan Stanley clients, strong rewards on specific categories, premium customer service, access to exclusive lounges.
Top Negative:
High annual fee for non-Morgan Stanley clients, Amex acceptance can be limited internationally, complex rewards structure for some benefits, not ideal for everyday spending outside bonus categories.
Approval Experience: 88.0 / 100
Recommended Alternatives
- American Express® Platinum Card
- American Express® Gold Card
- The Business Platinum Card® from American Express
Card Value Score: 92.0 / 100
Est. Annual Rewards: $5,287.50
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0