American Express

Amex Morgan Stanley Platinum

$895/year, earning Membership Rewards Points, on the American Express network.

Card terms last verified against issuer pages on 2026-09-20.

Amex Morgan Stanley Platinum credit card

At a glance

The Amex Morgan Stanley Platinum is a $895/year card from American Express earning Membership Rewards Points. It earns 5x on airlines, 5x on hotel (amextravel) and 1x on everything else. It carries 12 recurring statement credits worth $3,789 a year, listed in full below with the cap and reset date for each.

Annual fee$895

Credits a year$3,789

Base rate1x

Foreign feeNone

Welcome bonus

Earn 125,000 Membership Rewards Points after spending $8,000 in the first 6 months — Spend $8,000 in the first 6 months. Requires Morgan Stanley brokerage or E*TRADE account..
Welcome offers change frequently and are often targeted. Confirm the current offer on the issuer's own application page before applying.

What it earns

Rates are the multipliers American Express advertises. We do not convert them into a percentage return, because that requires putting a price on Membership Rewards Points and that price is a judgement, not a fact — see how we source this.

Category	Rate	Notes
Airlines	5x
Hotel (AmexTravel)	5x
Other	1x	Everything else

Statement credits

$3,789 a year across 12 credits against a $895 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.

Resets on the calendar year, expiring 31 December

Resets on your cardmember year

Credit

Windows in a year

Each

A year

$895 Annual Engagement Bonus Eligible Platinum CashPlus clients receive an $895 Annual Engagement Bonus deposited into their Morgan Stanley Platinum CashPlus account, effectively offsetting the card's annual fee. Requires maintaining an eligible Morgan Stanley Platinum CashPlus account. Bonus is deposited annually.

Once a year, resets on the cardmember year

$895

$600 Hotel Credit enrol first Get up to $300 in statement credits semi-annually (up to $600 annually) when you use your Platinum Card to prepay for eligible bookings through American Express Travel at Fine Hotels + Resorts or The Hotel Collection. Enrollment required.

Twice a year, resets on the cardmember year

$300

$600

$400 Resy Credit enrol first Get up to $100 in statement credits each quarter when you use your Platinum Card at U.S. Resy restaurants and for other eligible purchases through Resy. That's up to $400 annually. Enrollment required.

Quarterly, resets on the cardmember year

$100

$400

$300 Equinox Credit enrol first Up to $300 in statement credits annually for Equinox fitness club membership

Once a year, resets on the calendar year

$300

$300 Lululemon Credit enrol first Get up to $75 in statement credits each quarter when you use your Platinum Card for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 annually. Enrollment required.

Quarterly, resets on the cardmember year

$75

$300

$25 Monthly Digital Entertainment Credit Get up to $25 in monthly statement credits when you pay for select digital subscriptions with your Platinum Card. Eligible services include Disney+, ESPN+, Hulu, The New York Times, Peacock, Paramount+, YouTube Premium, YouTube TV, and more. Enrollment required.

Monthly, resets on the cardmember year

$25

$300

CLEAR Plus Credit Receive up to $209 back per calendar year when you use your Card to pay for a CLEAR Plus membership. CLEAR Plus lets you use your eyes or fingerprints to verify your identity and move through security faster at 50+ airports and stadiums nationwide.

Once a year, resets on the calendar year

$209

$200 Airline Fee Credit enrol first Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card account.

Once a year, resets on the calendar year

$200

$200 Oura Ring Credit enrol first Receive up to $200 in statement credits each calendar year when you use your Platinum Card to purchase an Oura Ring at Ouraring.com. The Oura Ring is a smart ring to track and improve your sleep and overall health. Enrollment required.

Once a year, resets on the calendar year

$200

$15 Monthly Uber Credit enrol first Up to $200 in Uber Cash annually ($15 per month, $35 in December)

Monthly, resets on the cardmember year

$15

$200

$12.95 Monthly Walmart+ Credit Get up to $12.95 in statement credits each month when you pay for a monthly Walmart+ membership with your Platinum Card. That's up to $155 in value annually.

Monthly, resets on the cardmember year

$12.95

$155

$120 Global Entry/TSA PreCheck Credit Receive up to $120 in statement credits every 4 years when you use your Platinum Card to pay for your Global Entry ($120) or TSA PreCheck ($78) application fee.

Every 4 years, resets on the cardmember year

$120

$30

Other perks

Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.

Perk	How often	Estimated value
Delta Sky Club AccessGet 10 complimentary Delta Sky Club visits per calendar year when you access the Club on a Delta-operated flight. Visits reset each January 1. Guest access may be available for an additional fee.	Once a year	~$390

Status and included memberships

$120 Uber One Membership — Get up to $120 in statement credits each calendar year when you use your Platinum Card to pay for the full cost of an auto-renewing Uber One membership. Unlock discounts on rides and $0 delivery fees on Uber Eats. Enrollment required. Note: Using Uber Cash to pay will make the purchase ineligible for the credit.
Hilton Honors Gold Status — Complimentary Hilton Honors Gold Status. Enjoy benefits like room upgrades upon check-in when available, bonus points earning, and late checkout.
Invest with Rewards — Redeem Membership Rewards points for deposits into your Morgan Stanley or E*TRADE investment account through Invest with Rewards. Redemption rate is $1,000 deposited for every 100,000 points (1 cent per point). Available exclusively to Morgan Stanley Platinum cardholders.
Marriott Bonvoy Gold Elite Status — Complimentary Marriott Bonvoy Gold Elite Status. Enjoy benefits like room upgrades upon check-in when available, late checkout, and bonus points earning.
Centurion Lounge Access — Complimentary access to Centurion Lounges worldwide

Questions people ask about the Amex Morgan Stanley Platinum

What is the annual fee on the Amex Morgan Stanley Platinum?

The Amex Morgan Stanley Platinum has a $895 annual fee.

What statement credits does the Amex Morgan Stanley Platinum include?

It carries 12 recurring statement credits worth $3,789 a year in total: $895 Annual Engagement Bonus ($895, resets on the cardmember year); $600 Hotel Credit ($300 twice a year, resets on the cardmember year); $400 Resy Credit ($100 quarterly, resets on the cardmember year); $300 Equinox Credit ($300, resets on the calendar year); $300 Lululemon Credit ($75 quarterly, resets on the cardmember year); $25 Monthly Digital Entertainment Credit ($25 monthly, resets on the cardmember year); CLEAR Plus Credit ($209, resets on the calendar year); $200 Airline Fee Credit ($200, resets on the calendar year); $200 Oura Ring Credit ($200, resets on the calendar year); $15 Monthly Uber Credit ($15 monthly, resets on the cardmember year); $12.95 Monthly Walmart+ Credit ($12.95 monthly, resets on the cardmember year); $120 Global Entry/TSA PreCheck Credit ($30, resets on the cardmember year). Verified 2026-09-20.

What does the Amex Morgan Stanley Platinum earn?

5x on airlines, 5x on hotel (amextravel), 1x on other, and 1x on everything else, in Membership Rewards Points.

Is the Amex Morgan Stanley Platinum worth the annual fee?

Its recurring statement credits total $3,789 a year against a $895 fee, so the card pays for itself on credits alone if you use 24% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.

Does the Amex Morgan Stanley Platinum charge foreign transaction fees?

No — the Amex Morgan Stanley Platinum has no foreign transaction fee.

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Verify before you apply. Card terms change without much notice, and issuers vary offers by applicant. Everything on this page was last checked on 2026-09-20 against our card database. The issuer's own terms page is the authority.