| $695 | 9991950 | The Business Platinum Card® from American Express | $20,000 | Amex | Business | Base: 1X (1.55%) | ![](//cdn.nextinsure.com/imaging/opt/9f9fa454-a6e1-41eb-8c7c-3d13bcbcb984.png?w=300" alt="The Business Platinum Card® from American Express" />) ⓘ $1950 1st Yr Value Estimate$200 airline incidental fee credit for select airline only valued at $140, $400 Dell credit ($200 per six months) valued at $100, $200 Hilton credit ($50 per quarter) valued at $150, $120 wireless credit ($10 per month) valued at $90, $500 statement credit when purchasing $2,500 of airfare valued at $150
Click to learn about first year value estimates Limited Time Offer: 150K points + $500 statement credit ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 150K points after $20K spend in the first 3 months. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card(R) within the first 3 months of Card Membership.. Terms apply. ( Rates & Fees) (Offer Expires 6/30/2025) $695 Annual FeeRecent better offer: 250K after $20K spend expired 2/10/25 |
| $325 | 9991152 | American Express® Gold Card | $6,000 | Amex | Consumer | Base: 1X (1.55%) | ![](//cdn.nextinsure.com/imaging/opt/baae32df-1232-4695-9568-ff3584dc31bf.png?w=300" alt="American Express® Gold Card" />) ⓘ $1152 1st Yr Value Estimate$120 Dining credit ($10 per month) valued at $30, $100 Resy credit ($50 per six months) valued at $85, $120 Uber credit ($10 per month) valued at $60
Click to learn about first year value estimates 90K points ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 90K points after $6K in purchases in the first 6 months. Terms apply. ( Rates & Fees) $325 Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 100K after $6K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 11/10/24 - referrals only] |
| $695 | 9991096 | The Platinum Card® from American Express | $8,000 | Amex | Consumer | Base: 1X (1.55%) | ![](//cdn.nextinsure.com/imaging/opt/09d4a050-a29b-4322-9c43-9e2b7aad2ec3.png?w=300" alt="The Platinum Card® from American Express" />) ⓘ $1096 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25
Click to learn about first year value estimates 100K points + 10x Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 100K points after $8K spend in 6 months + 10x points at restaurants worldwide on up to $25K spend in 6 months. Terms apply.$695 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 175K points after $8K spend in 6 months. |
| $375 | 9990943 | American Express® Business Gold Card | $15,000 | Amex | Business | Base: 1X (1.55%) | 100K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 100K points after $15K spend in 3 months. Terms apply. ( Rates & Fees) $375 Annual FeeRecent better offer: 200K after $15K spend expired 2/10/25 |
| $695 | 9990786 | The Platinum Card® from American Express Exclusively for Morgan Stanley | $8,000 | Amex | Consumer | Base: 1X (1.55%) |  ⓘ $786 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25
Click to learn about first year value estimates 80K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 80K after $8K spend in first 6 months. Terms apply.$695 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 125K points after 6k spend [Expired 11/8/23] |
| $695 | 9990786 | The Platinum Card® from American Express for Schwab | $8,000 | Amex | Consumer | Base: 1X (1.55%) |  ⓘ $786 1st Yr Value Estimate$200 Fine Hotels & Resorts credit valued at $100, $200 airline incidental fee credit for select airline only valued at $140, $200 Uber credit ($15 per month, $35/December) valued at $100, $100 Saks credit ($50 per six months) valued at $25
Click to learn about first year value estimates 80K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 80K after $8K spend in first 6 months. Terms apply. ( Rates & Fees) $695 Annual FeeThis card is only available to clients that maintain an eligible Schwab brokerage account. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 100K points + 10x when you Shop Small in the US & at restaurants worldwide [Expired 1/20/22] |
| $150 | 9990424 | American Express® Green Card | $3,000 | Amex | Consumer | Base: 1X (1.55%) | 40K points ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer 40K after $3K spend in first 6 months. Terms apply. See Rates & Fees$150 Annual FeeInformation about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 60K after $3K spend in first 6 months + 20% off travel and transit purchases for first 6 months. [Expired 8/21/23] |
| $0 | 9990233 | The Blue Business® Plus Credit Card from American Express | $3,000 | Amex | Business | Base: 2X (3.1%) | 15K points + 0% APR for 12 months ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 15k points after $3k spend within the first 3 months + 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 27.49%,, based on your creditworthiness and other factors at account opening. ( Rates & Fees) No Annual Fee |
| $0 | 9990140 | The Amex EveryDay® Credit Card from American Express | $1,000 | Amex | Consumer | Base: 1X (1.55%) | This card is no longer available for new applications ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer This card is not currently available for new applicants.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
| $95 | 9990122 | The Amex EveryDay® Preferred Credit Card from American Express | $1,000 | Amex | Consumer | Base: 1X (1.55%) | This card is no longer available for new applications ⓘFriend-ReferralThis is a friend-referral offer. A member of the Frequent Miler community may earn a referral bonus if you are approved for this offer This card is not currently available for new applicants.$95 Annual Fee Alternate Offer: Some people click through and find that they are targeted for an offer of 30K points after $2K spend in 3 months. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 30K after $2K in first 3 months |
| $95 | 9990091 | Business Green Rewards Card from American Express | $3,000 | Amex | Business | Base: 1X (1.55%) | 15K points ⓘAffiliateThis is an affiliate offer. Frequent Miler may earn a commission if you are approved for this offer 15K points after $3K spend within first 3 months of card membership. Terms & limitations apply. ( Rates & Fees) $95 Annual Fee |
| $0 | 9990000 | The Amex EveryDay Card (with 20 purchases per billing cycle) | | Amex | Consumer | Base: 1.2X (1.86%) | Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
| $0 | 9990000 | The Morgan Stanley Credit Card from American Express | | Amex | Consumer | Base: 1X (1.55%) | None Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler This card is no longer available.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: None |
| $0 | 9990000 | The Blue for Business® Credit Card from American Express | $0 | Amex | Business | Base: 1.3X (2.02%) | This card is no longer available for new applications No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
| $95 | 9989905 | The Amex EveryDay Preferred Card (with 30 purchases per billing cycle) | | Amex | Consumer | Base: 1.5X (2.33%) | Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
![](http://cdn.nextinsure.com/imaging/opt/9f9fa454-a6e1-41eb-8c7c-3d13bcbcb984.png?w=300" alt="The Business Platinum Card® from American Express" />)
![](http://cdn.nextinsure.com/imaging/opt/baae32df-1232-4695-9568-ff3584dc31bf.png?w=300" alt="American Express® Gold Card" />)
![](http://cdn.nextinsure.com/imaging/opt/09d4a050-a29b-4322-9c43-9e2b7aad2ec3.png?w=300" alt="The Platinum Card® from American Express" />)
![](http://cdn.nextinsure.com/imaging/opt/49ef3906-6ee7-4f77-a40b-74728901760e.jpg?w=300" alt="American Express® Business Gold Card" />)
![](http://cdn.nextinsure.com/imaging/opt/72cb8f35-39c3-4925-9965-6f0db8d5f6c7.jpg?w=300" alt="The Blue Business® Plus Credit Card from American Express" />)
![](http://cdn.nextinsure.com/imaging/opt/57495ed9-6f4e-4919-9a83-ae2ec251f236.png?w=300" alt="Business Green Rewards Card from American Express" />)
Morgan Stanley Plat down to 80K.
Thanks. Fixed.
With an Amex plat, no admission to Delta lounges if you’re flying basic economy. Must be booked in main or higher
I have had the Morgan Stanley version for some years and want to keep it for the Travel insurance including repatriation if needed.
I got the card by opening a Morgan Stanley brokerage account with $5000 (this is NOT self-directed and so they take a fee but the return has been not as terrible as I had expected. In addition I had to have a cash savings account with $25,000minimum that earns almost 0% interest to get them to refund my annual fee of $695 on the card.
Now that interest rates are substantially higher the opportunity cost is a lot more than the $695 annual fee.
Does anyone know if I can just close the Morgan Stanley accounts and invest the $30,000+ elsewhere and still keep the Amex Platinum card or will Amex close my account? I can now get $1500 interest (FDIC insured but taxable) for that amount of money.
BTW, the $695 refund from Morgan Stanley is now taxable as they are sending a 1099-OID since last year.
Any answers?
I don’t know the answer
You might want to try asking in our Frequent Miler Insiders Facebook group. I imagine someone there has been in this situation before.
Thanks Nick. I think I can safely reduce the Cah account to $1 and they will bill me $55 per month … still better than losing interest on $25,000.
Nick, I tried asking in the group today but my post was declined saying this was discussed recently. I did research the group before posting and couldn’t find it. Could you help? Thanks!
can’t you just close the cash savings account and keep the card open. you’d forfeit the engagement bonus but you’d also save on the account fees
I plan to keep the account open but with only a few $$ in it. We’ll see what Amex does.
I’m interested in this as well because I was planning on opening a MS account for 1 month just to apply for the card. Anyone knows if that would work?
I don’t know.
Bad news: The Morgan Stanley Engagement Bonus (refund of the $695 AMEX fee) is now taxable !!
So, keeping the $25,000 in the cash account with virtually zero interest and the $5,000+ in the access investing is now becoming less and less appealing. $25K invested in a savings account should get at least 3.5% (even Capital One is 3.3%).
Interestingly, the Access Investing where I expected to lose money is actually doing OK.
Seems like the 125k offer has expired.
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