The Morgan Stanley Credit Card from American Express

Card Details and Application Link

10K points
10K after $1K spend in 3 months. Terms apply.
Click Here to Apply (this is NOT an affiliate link)

No Annual Fee

Info 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

FM Mini Review: Decent no-fee card thanks to its 2X category bonuses, but you do need to have a Morgan Stanley account to apply.

Card Type: Amex Credit Card

Base

1X
(1.55%)

Travel

2X
(3.1%)

Dine

2X
(3.1%)

Shop

2X
(3.1%)

Earning rate: ⚬ 2X U.S. Restaurants ⚬ 2X select U.S. Department Stores ⚬ 2X Car Rentals Purchased Directly from Select Car Rental Companies ⚬ 2X Airfare Purchased Directly from Airlines

Big spend bonus: $100 after $25K card membership year spend

Noteworthy perks: Invest with rewards (1 point = 1 cent)

Rewards

Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide.

Application Tips

Amex Application Tips

Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application, and if you already have an Amex card, they won't usually issue a hard pull when approved for another one. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

90 Day Rule: You can get at most two credit cards within 90 days. This rule does not apply to Pay Over Time (charge) cards.

5 credit card max: Amex usually won't approve applications for new credit cards if you already have 5 or more Amex credit cards or 10 or more charge cards.

Better Offers: You may be able to get a better offer than the best available public offer. Details here.

Hard inquiries combine into 1 when approved same day

Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)

How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:

Eligible purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents.

That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

Related Cards (Membership Rewards)

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The Business Platinum Card® from American Express ➥More ⓘ $1516 1st Yr Value Estimate 120K points 120K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees) $595 Annual Fee Note that the annual fee is $595 ($695 if application is received on or after 1/13/2022 and at next renewal after that date) Recent better offer: 150K after $20K Spend (Targeted)
The Platinum Card® from American Express for Schwab ➥More ⓘ $1203 1st Yr Value Estimate 100K points + 10x when you Shop Small in the US & at restaurants worldwide 100K after $6K spend in first 6 months plus 10x on eligible purchases when you Shop Small in the US and at restaurants worldwide on up to $25K in purchases in the first 6 months. Terms apply. (Rates & Fees) $695 Annual Fee This card is only available to clients that maintain an eligible Schwab brokerage account. Info 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
The Platinum Card® from American Express Exclusively for Morgan Stanley ➥More ⓘ $1203 1st Yr Value Estimate 100K points + 10x when you Shop Small in the US & at restaurants worldwide 100K after $6K spend in first 6 months plus 10x on eligible purchases when you Shop Small in the US and at restaurants worldwide on up to $25K in purchases in the first 6 months. Terms apply. (Rates & Fees) $695 Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
American Express® Gold Card ➥More ⓘ $1140 1st Yr Value Estimate 75K Points + up to $250 back 75K after $4K spend in first 6 months plus 20% back as a statement credit on restaurant purchases worldwide for the first 12 months up to $250 back. Terms apply. (Rates & Fees) $250 Annual Fee Info 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: This is the best we've seen
American Express® Green Card ➥More ⓘ $731 1st Yr Value Estimate 50K Points + up to $150 back 50K after $2K spend in first 6 months plus 20% back as a statement credit on restaurant purchases worldwide for the first 12 months up to $150 back. Terms apply. (Rates & Fees) $150 Annual Fee Info 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: This is the best we've seen
American Express® Business Gold Card ➥More ⓘ $645 1st Yr Value Estimate 70K Points 70K points after $10K spend in 3 months. Terms apply. (Rates & Fees) $295 Annual Fee Alternate offer: Some people clicking find that they are targeted for an offer of 85K points after $10K in purchases in the first 3 months. Recent better offer: 70K points + up to $300 in statement credits: 70K points after $10K spend in 3 months + up to $150 in statement credits for US shipping purchases and up to $150 in statement credits US advertising purchases. [Expired 4/7/21]
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