American Express · Personal card
The Platinum Card from American Express Exclusively for Morgan Stanley
The Platinum Card from American Express Exclusively for Morgan Stanley has an $895 annual fee and up to $3,004 a year in statement credits, across 12 credits. Seven of the 12 American Express Platinum Card for Morgan Stanley credits need a one-time enrollment before any spending counts, and American Express will not apply them retroactively.
- Annual fee
- $895
- Charged on your account anniversary
- Credits a year
- Up to $3,004
- 12 statement credits, used in full
- Need enrollment
- 7 of 12
- Credits. Enroll before you spend
Every credit, and when it resets
Amounts are per period. The last column is what each credit adds up to in a year if you use it every time.
| Credit | Amount | Resets | A year |
|---|---|---|---|
| Hotel credit$300 every six months. Twice a year, in January and July | $300 every six months | Twice a year, in January and July | $600 |
| Resy creditEnroll firstEnroll the card in the Amex account first; enrollment can take up to 24 hours to process.$100 a quarter. Every quarter (January, April, July, October) | $100 a quarter | Every quarter (January, April, July, October) | $400 |
| Digital entertainment creditEnroll first$25 a month. On the 1st of each month | $25 a month | On the 1st of each month | $300 |
| lululemon creditEnroll first$75 a quarter. Every quarter (January, April, July, October) | $75 a quarter | Every quarter (January, April, July, October) | $300 |
| Equinox creditEnroll first$300 a year. On January 1 | $300 a year | On January 1 | $300 |
| CLEAR+ creditEnroll first$219 a year. On January 1 | $219 a year | On January 1 | $219 |
| Airline fee creditEnroll firstSelect one qualifying airline in the Amex account; the choice can be changed once a year, in January.$200 a year. On January 1 | $200 a year | On January 1 | $200 |
| Oura Ring creditEnroll first$200 a year. On January 1 | $200 a year | On January 1 | $200 |
| Uber Cash creditAdd the card as a payment method in the latest Uber app to receive the monthly Uber Cash.$15 a month. On the 1st of each month | $15 a month | On the 1st of each month | $180 |
| Walmart+ credit$12.95 a month. On the 1st of each month | $12.95 a month | On the 1st of each month | $155 |
| Uber One credit$120 a year. On January 1 | $120 a year | On January 1 | $120 |
| Global Entry or TSA PreCheck credit$120 each time. Available again every 4 years | $120 each time | Available again every 4 years | $30 |
| Total a year, if you use every credit | $3,004 |
What people get wrong
- Enrollment comes first. Seven benefits need a one-time enrollment. Spend before you enroll and nothing posts, because American Express will not apply a credit retroactively.
- Nothing rolls over. Whatever is unused when a period ends is gone, so a monthly credit missed in March can't be used in April.
Questions about the American Express Platinum Card for Morgan Stanley
What is the annual fee on the Platinum Card from American Express Exclusively for Morgan Stanley?
$895 a year, charged each year on your account anniversary.
How much are the American Express Platinum Card for Morgan Stanley credits worth?
Up to $3,004 a year if you use all 12 statement credits in full. The largest: Hotel credit ($600), Resy credit ($400) and Digital entertainment credit ($300).
Which American Express Platinum Card for Morgan Stanley benefits need enrollment?
Seven of the 12: Resy credit, Digital entertainment credit, lululemon credit, Equinox credit, CLEAR+ credit, Airline fee credit and Oura Ring credit. Enroll before you spend, because American Express will not apply a credit retroactively.
When do the American Express Platinum Card for Morgan Stanley credits reset?
Monthly credits reset on the 1st of each month; quarterly credits on January 1, April 1, July 1 and October 1; twice-yearly credits on January 1 and July 1; and yearly credits on January 1. Unused credit does not roll over.
Is the American Express Platinum Card for Morgan Stanley worth the $895 fee?
On credits alone, only if you use at least 30% of them. They add up to $3,004 a year against the $895 fee, but each is tied to a merchant and a period, so what counts is the ones you would use anyway.
What points does the American Express Platinum Card for Morgan Stanley earn?
American Express Membership Rewards points, worth about 1.75 cents each in a typical redemption.
