THE CARDTUNED DATABASE
The Platinum Card from American Express Exclusively for Morgan Stanley
Issuer: American Express
5X direct airline/Amex Travel flights up to $500,000/year; 5X prepaid Amex Travel hotels; 1X other
- Annual fee
- $895
- Foreign transaction fee
- $0
- Intro APR
- None
- Regular APR
- See current Rates & Fees; variable Pay Over Time APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
80,000 Membership Rewards points after $12,000 in purchases in the first 6 months
- Spending requirement
- $12,000 in purchases
- Time window
- the first 6 months
Offer last checked: 2026-09-04
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Flights | 5X | direct airline/Amex Travel flights up to $500,000/year See card-specific caps and merchant-category rules 5X airfare capped at $500,000/year; eligible Morgan Stanley relationship required |
| Hotels | 5X | prepaid Amex Travel hotels 5X airfare capped at $500,000/year; eligible Morgan Stanley relationship required |
| Other purchases | 1X | other 5X airfare capped at $500,000/year; eligible Morgan Stanley relationship required |
Additional benefits
• Up to $895 annual engagement bonus with an eligible Morgan Stanley Platinum CashPlus relationship
• Membership Rewards points can be deposited into an eligible Morgan Stanley or E*TRADE account
• Global Lounge Collection access, including Centurion Lounges, 10 Delta Sky Club visits and Priority Pass enrollment
• Up to $600 hotel, $400 Resy, $300 digital entertainment and $200 airline-fee credits
Restrictions to know
Eligible Morgan Stanley or E*TRADE relationship required. The annual engagement bonus requires a qualifying Platinum CashPlus relationship and applicable eligibility conditions. 5X airfare is capped at $500,000 per calendar year. Credits and lounge benefits require enrollment, eligible purchases, timing rules and an account in good standing.
Who can apply
Eligible Morgan Stanley or E*TRADE relationship required
Credit profile: Good–Excellent / issuer underwriting applies