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  1. Credit Cards
  2. Morgan Stanley Platinum
American Express

Morgan Stanley Platinum

The Morgan Stanley Platinum Card is a premium travel card tailored for Morgan Stanley clients who want high-value rewards on flights and comprehensive trip protection. It serves primarily as a specialized luxury travel tool rather than an everyday spending card.

Welcome Offer
80,000 Points
Annual Fee
$895
Rec. Credit Score
Excellent
Good For
Morgan Stanley clients and frequent flyers
How to ApplyEstimate 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...

Frequent flight bookings

Morgan Stanley clients

Comprehensive purchase protections

With an $895 annual fee, the Morgan Stanley Platinum Card delivers serious value for frequent travelers who hold an eligible Morgan Stanley account. Earning 5x Membership Rewards points on direct airline purchases and prepaid travel through Amex Travel allows heavy flyers to accumulate valuable points quickly, particularly when transferring them to travel partners.

For general everyday spending, however, the 1x earning rate is modest. If you do not fly regularly or cannot fully utilize the specialized benefits and perks tied to your Morgan Stanley relationship, offsetting the high annual fee will be challenging compared to more flexible travel cards.

MaxRewards

MaxRewards Verdict

This card is an exceptional option for Morgan Stanley clients who fly often, though its steep annual fee makes it a poor fit for casual travelers or daily household 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

$1,200

Required Spend

$8,000

Time Frame

6 Months

Est. Value

$1,200

Required Spend

$8,000

Time Frame

6 Months

Earning

Rewards

Earning flexible American Express Membership Rewards points, the card heavily rewards travel spending while offering a baseline rate on general purchases.

CategoryRate

Air Travel (amextravel.com)

7.5%

Airline

7.5%

Car Rental (amextravel.com)

7.5%

Cruise (amextravel.com)

7.5%

Hotel (amextravel.com)

7.5%

Everywhere

1.5%

Rewards percent based on a valuation of 1.5¢ 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

How to Apply

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
Business PlatinumBusiness Platinum

300,000 Points

Worth $4,500

After you spend $20,000 on purchases on your new card in your first 3 months of card membership.

  • 2.25%7.5%Air Travel (amextravel.com)
  • 2.25%7.5%Car Rental (amextravel.com)
  • 2.25%7.5%Cruise (amextravel.com)

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

Business GoldBusiness Gold

200,000 Points

Worth $3,000

After you spend $15,000 on purchases on your new card in your first 3 months of card membership.

  • 2.25%6%Choice
  • 2.25%6%Choice
  • 2.25%4.5%Air Travel (amextravel.com)

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

Amex PlatinumAmex Platinum

175,000 Points

Worth $2,625

After you spend $12,000 on purchases on your new card in your first 6 months of card membership.

  • 2.25%7.5%Air Travel (amextravel.com)
  • 2.25%7.5%Airline
  • 2.25%7.5%Car Rental (amextravel.com)

Annual Fee

$895

Rec. Credit

Excellent

View card details

Terms Apply.