The Platinum Card from American Express Exclusively for Morgan Stanley

The Platinum Card® from American Express Exclusively for Morgan Stanley

ⓘ $1871 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

150K points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler

150K after $8K spend in first 6 months. Terms apply.
(Offer Expires 6/11/2025)
$695 Annual Fee

Click here to learn how to apply

This is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler

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

FM Mini Review: In my opinion, this is the best of the consumer Amex Platinum cards when you need two cards thanks to Morgan Stanley offering one free authorized user. Unfortunately you do need to have a Morgan Stanley account to apply.

Earning rate: ✦ 5X points for flights booked directly with airlines or with American Express Travel ✦ 5X prepaid hotels booked with American Express Travel

Base: 1X (1.55%)

Travel: 5X (7.75%)

Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees.

Big spend bonus: $500 after $100K cardmember year spend

Noteworthy perks: This card includes all of the great perks that come with the American Express Platinum Card, plus: ✦ 1 Free Authorized User ✦ Redeem points for 1 cent each into your Morgage Stanley account ✦ $695 Annual Engagement Bonus for Platinum CashPlus accounts

See also: Amex Platinum Guide

Application Tips

Amex Application Tips Safe to Apply: Amex is the safest bank for trying your luck at earning a new welcome bonus offer. 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 earning a welcome bonus offer 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. You're can only get the same card once every 90 days. 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: (800) 567-1083)

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