American ExpressThe Platinum Card from American Express Exclusively for Morgan Stanley
The Platinum that can pay for itself through a Morgan Stanley CashPlus account.
Welcome Bonus
150,000
≈$3,000 value
Spend Requirement
$12,000
in 6 months
Annual Fee
$895
No FTF
Credit Score
740+
(Excellent)
Current offer note: Elevated offer ends July 8, 2026
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xFlights booked direct or via Amex Travel (up to $500k/yr)
- 5xPrepaid hotels via Amex Travel
- 1xAll other purchases
Credits ($2,275/yr stated)
- Hotel credit$600
$300 semiannually, FHR / The Hotel Collection
- Resy dining credit$400
$100 quarterly
- Digital entertainment credit$300
$25 monthly
- Lululemon credit$300
$75 quarterly
- Airline fee credit$200
One selected airline
- Uber Cash$200
$15/mo + $20 December bonus
- Walmart+ membership credit$155
- Uber One membership credit$120
Benefits
- ✦First additional Platinum card member free, normally $195 a year
- ✦Platinum CashPlus annual engagement bonus can offset the full card fee
- ✦Cash out MR points to a Morgan Stanley brokerage at 1 cent each
- ✦$500 annual bonus after $100k in purchases
- ✦Centurion Lounges, Delta Sky Clubs (when flying Delta), Priority Pass, Plaza Premium
- ✦Requires an eligible Morgan Stanley account to apply
Why it earns its spot
- +The only Platinum where the annual fee can be fully rebated via CashPlus
- +Free authorized user Platinum is a $195 yearly perk
- +Same lounge and credit stack as the flagship
Where it costs you
- −CashPlus Platinum has its own balance requirements to dodge account fees
- −Cash-out rate is 1 cent, below Schwab's 1.1
- −Requires a Morgan Stanley or E*TRADE relationship
The Compound Verdict
For anyone who can comfortably maintain a Platinum CashPlus account, this is a free Amex Platinum, full stop. The free additional card member sweetens the household math further. If you cannot meet the CashPlus requirements, the Schwab version's higher cash-out rate is the better brokerage play.
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