AmEx Platinum Card for Morgan Stanley Overview (2025.11 Replace: 80k Provide; E*commerce Account Now Eligible!)

Non-affiliate disclosure: all details about the this card have been collected independently by US Credit score Card Information and has not been reviewed by the issuer.

2025.11 Update2: E*trade (now a part of Morgan Stanley) account is now eligible to get this card! It is a improbable information as a result of: beforehand it is vitally painful to get a Morgan Stanley account; now everyone can get an E*commerce account!

2025.11 Replace: The upper welcome provide is expired. The present provide is 80k.

2025.9 Replace: This card simply received a serious refresh along with the regular Platinum card — advantages have been considerably enhanced, and the annual price has elevated from $695 to $895. With the upgrades, this card is as soon as once more value contemplating as a long-term keeper! Listed here are the adjustments (credit score to awash):

Additionally, the brand new welcome provide is now 125k.

Utility Hyperlink

• AmEx Platinum Card for Morgan Stanley. It’s worthwhile to have a Morgan Stanley account with the intention to apply for this card. E*trade (now a part of Morgan Stanley) account is now eligible to get this card! Everyone can get an E*commerce account.

Advantages

1. 80k provide: Earn 80,000 Membership Rewards (MR) factors after spending $6,000 in first 6 months. The latest finest provide is 150k.
2. We estimate that Membership Rewards (MR) are value about 1.6 cents/level, see under for a quick introduction. So the 150k highest welcome provide is value about $2,400!
3. [Morgan Stanley version only] The primary approved person is completely free!
4. [Morgan Stanley version only] You may money out your MR factors into your Morgan Stanley brokerage account at a hard and fast ratio 1 cent/level. Notice that the money out ratio for AmEx Platinum for Schwab is 1.1 cents/level, so clearly the Schwab model is a more sensible choice for this objective.
5. [Morgan Stanley version only] Earn an Anniversary Spend Award of $500 from Morgan Stanley after you spend $100,000 in purchases in your Card annually by your anniversary date. (i.e. simply further 0.5% money again)
6. Earn 5x MR factors for flights booked instantly with airways, on as much as $500k. Earn 5x MR factors for flights and pay as you go lodges booked with AmEx Journey. Earn 1x MR factors per $1 spent on all different purchases.
7. This card provides varies credit to cowl some bills, see particulars within the subsequent part.
8. Complimentary entry to the next airport lounges:
   • Priority Pass Select (PPS), it is advisable enroll it by your self, after which a Precedence Move Choose card will likely be mailed to you, free for as much as 2 companions, observe that AmEx issued PPS playing cards not give restaurant credit score (they’ll solely be utilized in PPS airport lounges);
   • Centurion Lounges. Visitor entry prices $50 per individual. Complimentary visitor entry for as much as two company per go to after spending $75,000 USD between January 1, 2022 and December 31, 2022 and in every calendar 12 months thereafter.
   • The International American Express Lounges, companion insurance policies fluctuate by location, however no less than 1 companion at no cost;
   • Escape Lounges, free for as much as 2 companions;
   • Delta Sky Clubs, you want a Delta boarding cross on the identical day, $29 per companion. [2023.9 Update] Efficient 2/1/25, card members of this card will obtain 6 Visits per 12 months to the Delta Sky Membership; to earn a vast variety of Visits annually beginning on 2/1/25, the whole eligible purchases on the Card should equal $75,000 or extra between 1/1/24 and 12/31/24, and every calendar 12 months thereafter.
   • Plaza Premium Lounges, free for as much as 2 companions;
   • Airspace Lounges, free for as much as 2 companions.
9. Fine Hotels & Resorts (FHR): when you e-book lodges by way of FHR, you may get pleasure from the advantages of elite members; resembling room upgrades, free Wi-Fi, free breakfast, and so forth. The advantages fluctuate by lodges.
10. Complimentary Marriott Bonvoy Gold Status. Use this link to activate.
11. Complimentary Hilton Gold Status. Use this link to activate.
12. Complimentary membership for Avis, Hertz, and Nationwide membership. Use this link to activate.
13. Platinum Card Concierge service: for the busy and even lazy, you should utilize this service to e-book lodges or reserve eating places and so forth, the service is claimed to be very, superb.
14. $800 Cellular phone safety: stand up to $800 per declare and a pair of claims per 12 months in mobile phone safety towards coated theft or harm for telephones listed in your month-to-month mobile phone invoice whenever you pay it together with your eligible bank card. Deductible $50.
15. With this bank card, you will get entry to Amex Offers, which frequently provides superb reductions at some shops. Up to now we’ve got seen provides like: Spend $15 or extra and get $5 again at Walmart; Spend $75 or extra and get $25 again on Amazon.com.
16. Refer a pal: You may earn 15,000 bonus MR factors for each accredited account you refer, as much as 55,000 MR factors per calendar 12 months.
17. This card is comparatively simple to get accredited for as a result of it’s a Cost Card, not a Credit score Card. Cost card implies that you don’t have the choice to pay solely minimal fee, it’s important to pay your steadiness in full on the due dates. Notice that Cost Card functions will even end in a Arduous Pull, similar to Credit score Card functions.
18. Cost Playing cards haven’t any pre-set spending restrict.
19. No overseas transaction price.

Varies Credit

This card has varies credit to cowl some bills. They’re:

1. [$200 airline fee credit] Stand up to $200 credit score for airline incidental prices resembling checked luggage per calendar 12 months. Airline ticket itself just isn’t eligible. As a result of this profit resets in line with calendar 12 months as a substitute of whenever you opened the cardboard, you may really get airline price credit score TWICE earlier than the second annual price posts! Notice that this profit just isn’t mechanically enrolled, it is advisable enroll and specify an airline by clicking here.
2. [New] [$600 FHR/THC Hotel Credit] Get $300 credit score semi-annually (whole $600 per 12 months) at Effective Inns & Resorts (FHR) or The Resort Assortment (THC), pay as you go fee required. Keep guidelines: FHR = 1 night time, THC = 2 nights minimal. Notice that almost all FHR lodges are dear.
3. [New] [$400 Resy Credit] Stand up to $100 in assertion credit every quarter ($400 in whole in a 12 months) whenever you use this card to make eligible purchases with Resy. Resy primarily options higher-end eating places. Enrollment required.
4. [$200 Uber credit] Get $15 Uber credit score monthly besides Dec, and $35 in December. That’s $200 per 12 months. The unused credit will expire each month.
5. [New] [$120 Uber One Credit] Stand up to $120 in assertion credit every calendar 12 months after you buy an auto-renewing Uber One membership with this card.
6. [New] [$300 digital Entertainment credit]. Stand up to $25 monthly, solely works at: Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Instances, Paramount+, Peacock, The Wall Road Journal, YouTube Premium, and YouTube TV. Amongst these, YouTube Premium could also be helpful to most individuals. Enrollment required.
7. [New] $300 Lululemon Credit score: Obtain as much as $75 in assertion credit every quarter ($300 whole in a 12 months) whenever you use this card for eligible purchases at U.S. lululemon retail shops (excluding shops) and lululemon.com. Enrollment required
8. [$100 Saks credit] Stand up to $50 in assertion credit on Saks Fifth Avenue from January by way of June, and as much as $50 from July by way of December. Each on-line and in retailer will work. No minimal buy required. Enrollment required.
9. [Complementary Walmart+ membership] Pay your Walmart+ membership together with your AmEx Platinum card, and you’re going to get full credit score again ($12.95/month).
10. [$120 Global Entry credit] Get $120 credit score for International Entry or $85 credit score for TSA Precheck utility price.
11. [$209 Clear credit]. It’s the identical quantity because the Clear annual membership price. It’s helpful when you fly lots.
12. [New] [$200 Oura Ring Credit] Obtain as much as $200 in statements credit whenever you use this card to buy an Oura Ring at Ouraring.com every calendar 12 months. Oura Ring is a brilliant ring. Enrollment required.
13. [$300 Equinox credit]. Stand up to $300 per 12 months on Equinox membership charges. The worth is basically 0. Enrollment required.

Disadvantages

1. $895 annual price, NOT waived for the primary 12 months. Notice that annual price doesn’t depend in direction of the minimal spending requirement (and that is true for all bank cards)! 

Approved Customers

There are two sorts of Approved Consumer (AU) playing cards: platinum AU card, and “silver” AU card. AU playing cards shouldn’t have separate credit.

1. Platinum AU playing cards have annual price: $195 per card from the second. [Morgan Stanley version only] The primary platinum AU card is free. Platinum AU card holders have separated PPS card, have entry to all of the airport lounges talked about above, get complimentary resort standing, and may use FHR advantages.
2. “Silver” AU playing cards haven’t any annual price, however there’s no further advantages.

Introduction to MR Factors

• You may earn MR factors with AmEx ED, AmEx EDP, AmEx Green, AmEx Gold, AmEx Platinum, AmEx Platinum for Schwab, AmEx Platinum for Morgan Stanley, AmEx Blue Business Plus, AmEx Business Green, AmEx Business Gold, AmEx Business Platinum, and so forth.
• The MR factors you earn on completely different MR playing cards will mechanically go to the identical MR account.
• MR factors by no means expire. You’ll not lose the MR factors on one card when you shut the account, however you’ll lose the entire MR factors when you shut the entire MR playing cards. To be able to keep away from shedding your MR factors, we suggest to maintain the no annual price AmEx ED.
• If in case you have any of the MR playing cards, MR factors could be transferred to some airline miles. One of the widespread and finest manner to make use of MR factors is to 1:1 switch them to All Nippon Airways (ANA, NH) miles (Star Alliance). Different good choices are: Air Canada (AC) (Star Alliance), Delta Air Traces (DL) (SkyTeam), British Airways (BA) (Oneworld), Asia Miles (Oneworld), Singapore Airways (SQ) (Star Alliance), Flying Blue (SkyTeam), Virgin Atlantic (VS) (Non-alliance), and so forth. In case you use MR on this manner, the worth is about 1.6 cents/level.
• If in case you have any of the MR playing cards, you may redeem your MR factors at a hard and fast fee about 1 cent/level in direction of air tickets on AmEx travel portal.
• If in case you have AmEx Platinum for Schwab, you may redeem your MR factors at a hard and fast fee 1.1 cents/level in direction of money. In case you do not need to spend time finding out airline miles, this can be a fairly good option to money out the factors. If you do not have this card, you may solely redeem your MR factors at a hard and fast fee 0.6 cents/level in direction of money.
• In abstract, we estimate that MR factors are value about 1.6 cents/level.
• For extra details about MR factors, see Maximize the Credit Card Points Values (overview), and Introduction to MR: How to Earn and Introduction to MR: How to Use (very detailed).

Advisable Utility Time

1. [Once per lifetime language] You may solely get the welcome bonus as soon as in a lifetime, so make sure to apply when the historic highest provide seems.
2. [New] [Platinum flavors language] Totally different flavors of AmEx Platinum playing cards now have an effect on one another by way of welcome provides. You may solely get one welcome provide amongst them.
3. [New] [Family language] AmEx begins so as to add household language: increased annual charges playing cards will have an effect on the welcome provides on decrease annual price ones in the identical household sequence. Particularly, having held Platinum makes you ineligible for the welcome provide of Gold. So if you need each, it’s best to apply for Gold first.
4. AmEx doesn’t care in regards to the variety of arduous pulls.
5. You may attempt to apply for it when you have got a credit score historical past of 6 months.
6. You need to wait no less than 90 days between the applying for various flavors of AmEx Platinum playing cards, in any other case the applying will likely be cancelled.

Abstract

Probably the most particular function of this model of the AmEx Platinum card is that, the primary approved person is free. In case you resolve to maintain an AmEx Platinum card for a very long time, then this model is appropriate to provide your partner a licensed person card to get pleasure from the advantages.

The welcome provide is sort of good.

This card earns 5x MR factors on airfare, making it the very best bank card for getting aircraft tickets. It additionally comes with journey delay insurance coverage that kicks in after simply 6 hours, which additional strengthens its case as the highest airfare card. On prime of that, it has a strong lineup of journey advantages, together with extra lounge companions than different premium playing cards, entry to Effective Inns & Resorts (FHR), and extra.

After the September 18, 2025 refresh, the annual price elevated to $895, however the coupon e-book has been considerably upgraded:

• $200 Airline Charge Credit score: Similar as earlier than, could be liquidated with the UA TravelBank trick. Valued at ~$170 (85% of face).
• $600 FHR Resort Credit score: Modified from $200/12 months to $300 each 6 months, a lot simpler to make use of. In some instances you will get 1–2 nights free domestically. Valued at ~$360 (60% of face).
• $400 Resy Credit score: $100 per quarter is a really usable denomination. Sure, eating places on Resy are usually overpriced, however with $100 each quarter, most individuals can discover a purpose to make use of it. Valued at ~$240 (60% of face).
• $200 Uber Credit score: Annoying month-to-month installments, however when you use Uber or Uber Eats, it’s simple to redeem. Valued at ~$80 (40% of face).
• $300 Streaming Credit score: Since most individuals use YouTube Premium to skip adverts, valuing it at $140 is affordable.
• $300 Lululemon Credit score: Primarily based on previous expertise, bodily present playing cards reloaded to your account typically set off the credit score, letting you top off on pricier gadgets. Valued at ~$180 (60% of face).

Including up simply the above valuations, you’re already over $1,000 in worth. In case you additionally discover worth within the Oura Ring, Uber One, Walmart+, or Saks credit, then the cardboard is value much more. After all, when you’re not the goal buyer for these advantages, forcing your self to make use of the coupon e-book doesn’t essentially imply you’re “profiting.” The bottom line is whether or not you have got real want for these perks — if sure, then this card is usually a strong long-term keeper.

In case you don’t plan to maintain this card and nonetheless have unredeemed MR factors when closing, you may apply for a no-annual-fee card like AmEx Checking or AmEx Blue Business Plus to protect your MR factors for future use.

To Do Listing After You Get The Card

1. Enroll in Airline Incidental Fee Credit profit and select a service. You need to enroll and select a service prior to creating a reimbursable buy.
2. Enroll in Resy Credit score profit.
3. Add your card to Uber or UberEats.
4. Enroll in digital Leisure Credit score profit.
5. Enroll in Lululemon Credit score profit.
6. Enroll in Saks Credit profit.
7. Enroll in Walmart+ membership.
8. Enroll in Priority Pass Select (PPS) lounge profit.
9. Enroll in Marriott Bonvoy Gold status.
10. Enroll in Hilton Gold status.
11. Enroll for Avis, Hertz and NationwideCar Rental status privileges.
12. Apply for Global Entry or TSA PreCheck.
13. Apply for Clear membership.
14. Enroll in Oura Ring Credit score profit.
15. Enroll in Equinox Credit score profit.

Associated Credit score Playing cards

See this post for the comparability of advantages.

Advisable Downgrade Choices

• You can’t downgrade this card to any card, so I counsel you shut it whenever you don’t need to hold it any longer.

After Making use of

• Click on here to examine AmEx utility standing.
• AmEx reconsideration backdoor quantity: 877-399-3083. The “actual” backdoor variety of Amex is nicely protected. Totally different from Chase, the representatives from this AmEx reconsideration backdoor quantity solely have the proper that will help you submit requests.

Historic Affords Chart

Utility Hyperlink

• AmEx Platinum Card for Morgan Stanley. It’s worthwhile to have a Morgan Stanley account with the intention to apply for this card. E*trade (now a part of Morgan Stanley) account is now eligible to get this card! Everyone can get an E*commerce account.

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