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Amex Morgan Stanley Platinum
American Express

Amex Morgan Stanley Platinum

Annual fee
$895
Welcome bonus
Earn 125,000 Membership Rewards Points after spending $8,000 in the first 6 months · ≈ 1750
Rewards
Membership Rewards Points
Benefits
18 · $4,989/yr
Data verified Aug 18, 2026 · from the MaxWorth database · not endorsed by American Express · disclaimer

Earn Rates

CategoryRateTrue cash-back value
Flights 5x 7%
Everything else 1x 1.4%

True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.

Credits (13)

$895 Annual Engagement Bonus

$895/yr
Annual

Eligible Platinum CashPlus clients receive an $895 Annual Engagement Bonus deposited into their Morgan Stanley Platinum CashPlus account, effectively offsetting the card's annual fee. Requires maintaining an eligible Morgan Stanley Platinum CashPlus account. Bonus is deposited annually.

$600 Hotel Credit

$600/yr
Semi-annual Activation required

Get up to $300 in statement credits semi-annually (up to $600 annually) when you use your Platinum Card to prepay for eligible bookings through American Express Travel at Fine Hotels + Resorts or The Hotel Collection. Enrollment required.

$400 Resy Credit

$400/yr
Quarterly Activation required

Get up to $100 in statement credits each quarter when you use your Platinum Card at U.S. Resy restaurants and for other eligible purchases through Resy. That's up to $400 annually. Enrollment required.

Delta Sky Club Access

$390/yr
Annual

Get 10 complimentary Delta Sky Club visits per calendar year when you access the Club on a Delta-operated flight. Visits reset each January 1. Guest access may be available for an additional fee.

$300 Equinox Credit

$300/yr
Annual Activation required

Up to $300 in statement credits annually for Equinox fitness club membership

$300 Lululemon Credit

$300/yr
Quarterly Activation required

Get up to $75 in statement credits each quarter when you use your Platinum Card for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 annually. Enrollment required.

$25 Monthly Digital Entertainment Credit

$300/yr
Monthly

Get up to $25 in monthly statement credits when you pay for select digital subscriptions with your Platinum Card. Eligible services include Disney+, ESPN+, Hulu, The New York Times, Peacock, Paramount+, YouTube Premium, YouTube TV, and more. Enrollment required.

CLEAR Plus Credit

$209/yr
Annual

Receive up to $209 back per calendar year when you use your Card to pay for a CLEAR Plus membership. CLEAR Plus lets you use your eyes or fingerprints to verify your identity and move through security faster at 50+ airports and stadiums nationwide.

$200 Airline Fee Credit

$200/yr
Annual Activation required

Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card account.

$200 Oura Ring Credit

$200/yr
Annual Activation required

Receive up to $200 in statement credits each calendar year when you use your Platinum Card to purchase an Oura Ring at Ouraring.com. The Oura Ring is a smart ring to track and improve your sleep and overall health. Enrollment required.

$15 Monthly Uber Credit

$200/yr
Monthly Activation required

Up to $200 in Uber Cash annually ($15 per month, $35 in December)

$12.95 Monthly Walmart+ Credit

$155/yr
Monthly

Get up to $12.95 in statement credits each month when you pay for a monthly Walmart+ membership with your Platinum Card. That's up to $155 in value annually.

$120 Global Entry/TSA PreCheck Credit

$120/yr
Annual

Receive up to $120 in statement credits every 4 years when you use your Platinum Card to pay for your Global Entry ($120) or TSA PreCheck ($78) application fee.

Status & Elite Perks (5)

Centurion Lounge Access

$500/yr
Annual

Complimentary access to Centurion Lounges worldwide

$120 Uber One Membership

$120/yr
Annual Activation required

Get up to $120 in statement credits each calendar year when you use your Platinum Card to pay for the full cost of an auto-renewing Uber One membership. Unlock discounts on rides and $0 delivery fees on Uber Eats. Enrollment required. Note: Using Uber Cash to pay will make the purchase ineligible for the credit.

Hilton Honors Gold Status

$50/yr
Annual Activation required

Complimentary Hilton Honors Gold Status. Enjoy benefits like room upgrades upon check-in when available, bonus points earning, and late checkout.

Marriott Bonvoy Gold Elite Status

$50/yr
Annual Activation required

Complimentary Marriott Bonvoy Gold Elite Status. Enjoy benefits like room upgrades upon check-in when available, late checkout, and bonus points earning.

Invest with Rewards

Annual

Redeem Membership Rewards points for deposits into your Morgan Stanley or E*TRADE investment account through Invest with Rewards. Redemption rate is $1,000 deposited for every 100,000 points (1 cent per point). Available exclusively to Morgan Stanley Platinum cardholders.

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