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  1. Credit Cards
  2. Morgan Stanley Platinum
American Express

Morgan Stanley Platinum

The Morgan Stanley Platinum is built for high-income cardholders who want the Platinum Card travel experience and have a Morgan Stanley relationship that can unlock extra value. It works best as a benefits-heavy travel card, not an everyday spending card, since most non-travel purchases earn just 1x points.

Welcome Offer
80,000 Points
Annual Fee
$895
Rec. Credit Score
Excellent
Good For
Morgan Stanley Platinum users
Estimate your value
Morgan Stanley Platinum

All information about Morgan Stanley Platinum has been collected independently by MaxRewards. Morgan Stanley Platinum is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Morgan Stanley Platinum worth it?

This card is great for...

Airport lounge access

Frequent airfare bookings

Brokerage-linked card value

This card is worth it for a fairly narrow group: travelers who already want Amex Platinum-style airport and travel benefits, and who also have the Morgan Stanley setup that makes this version more appealing than the standard Platinum. If you fly often, use the travel perks regularly, and can make real use of the card's statement credits and access benefits, the high annual fee can make sense.

For most readers, the value story is less about rewards and more about benefits. The 5x earning on flights and Amex Travel bookings is strong, but the card is a weak choice for everyday spending because everything else earns 1x. If you are not consistently using lounge access, travel protections, and the Morgan Stanley-specific angle, this is an expensive card to keep.

MaxRewards

MaxRewards Verdict

A strong fit for frequent travelers who want Platinum-level perks and already bank with Morgan Stanley. Outside that lane, the $895 annual fee is hard to justify because the ongoing rewards are not built for everyday spending.

Welcome Offer

80,000 Points

after you spend $8,000 on purchases on your new card in your first 6 months of card membership.

Est. Value

$800

Required Spend

$8,000

Time Frame

6 Months

Est. Value

$800

Required Spend

$8,000

Time Frame

6 Months

Earning

Rewards

Membership Rewards points are the focus here, but the earning structure is concentrated in travel. You get the most from this card when you book flights often or use Amex Travel, while most other purchases are better suited to a different card.

CategoryRate

Air Travel (amextravel.com)

5%

Airline

5%

Car Rental (amextravel.com)

5%

Cruise (amextravel.com)

5%

Hotel (amextravel.com)

5%

Everywhere

1%

Rewards percent based on a valuation of 1¢ per Membership Rewards point

Benefits

More Benefits

Car Rental Loss and Damage Insurance

When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, You can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.


Premium Car Rental Protection

When you enroll in Premium Car Rental Protection and you use your enrolled Card to pay for rental charges for a Rental Car, you can enjoy primary coverage for Theft of or Damage to a rental vehicle and excess medical coverage if you are injured in an accident. Fees, coverage limits and coverage areas apply. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Refer to your description of coverage for a complete list of excluded vehicles. This product does not include liability coverage.


Extended Warranty

With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer’s Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.


Purchase Protection

When something you buy breaks or is stolen, Purchase Protection can have you covered. Use your Eligible Card for Covered Purchases, and your Membership can help protect them for up to 90 days from the Covered Purchase date. Coverage Limits Apply. Please read important exclusions and restrictions.


Expanded Buying Power Feature

With Expanded Buying Power, you have the option to spend above your credit limit. The amount you spend above your credit limit is due in full each month as part of your minimum payment due. Terms apply.

Eligibility

Recommended Minimum Credit

Min: Excellent
Poor
Fair
Good
Excellent

Excellent credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$895

Foreign Transaction Fee

None

Table of Contents

Morgan Stanley Platinum

Morgan Stanley Platinum

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Other cards from American Express

See all 33 cards
The Business Platinum Card® from American ExpressThe Business Platinum Card® from American Express

You may be eligible for as high as 300,000 Membership Rewards® Points

Worth $3,000

After spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.

  • 5%5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
  • 5%2%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

American Express® Business Gold CardAmerican Express® Business Gold Card

You may be eligible for as high as 200,000 Membership Rewards® Points

Worth $2,000

After spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5%4%Top Two Eligible Categories
  • 5%3%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
  • 5%1%Everywhere

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

American Express Platinum Card®American Express Platinum Card®

You may be eligible for as high as 175,000 Membership Rewards® Points

Worth $1,750

After spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5%5%Flights (American Express Travel), Prepaid Hotels (American Express Travel)
  • 5%5%Flights (Directly From Airlines), Flights (American Express Travel)
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.