American Express · Personal
Morgan Stanley Platinum
A $895-a-year card earning Membership Rewards: 5× on 3 categories, 1× on everything else.
- Annual fee
- $895Charged every year
- Signup bonus
- 80,000 ≈ $1,520 in travel (our estimate)*
- Top rate
- 5×3 categories
- Point value
- 1.9¢ In travel · 0.7¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 80,000 points · spend $12,000 on purchases in the first 6 months after account opening | $1,520 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$895 | −$895 |
| NetYear one includes the bonus · at your inputs · our estimates* | $625 | −$895 |
The bonus needs $12,000 on purchases in the first 6 months after account opening.
Earning structure
7 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Airfare Cap $500,000 / 12 moNotesScheduled flights booked directly with airlines or through American Express Travel. Excludes charter and private-jet flights, package flights, and ticket fees. | 5× | $9.50 | |
Hotels (Portal) NotesPrepaid hotels booked through American Express Travel, including Fine Hotels + Resorts and The Hotel Collection. | 5× | $9.50 | |
Vacation Rentals (Portal) NotesPrepaid vacation rentals booked through AmexTravel.com. Modifications made directly with the rental company are not eligible. | 5× | $9.50 | |
Car Rentals (Portal) NotesPrepaid car rentals booked on AmexTravel.com or the Amex Travel App. | 2× | $3.80 | |
Cruises (Portal) NotesNew cruise bookings through American Express Travel. Charges paid directly to a cruise line do not qualify. | 2× | $3.80 | |
Travel (Portal) NotesEligible bookings on AmexTravel.com or the Amex Travel App. Excludes non-prepaid hotels and cars and ticketing fees. | 2× | $3.80 | |
All Other NotesBase rate on eligible purchases. | 1× | $1.90 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $895
- Card type
- Personal
- Network
- American Express
- Bank
- American Express
- Point system
- Membership Rewards
- Travel value (our estimate)*
- 1.9¢ per point
- Cash value (our estimate)*
- 0.7¢ per point
- Foreign transaction fee
- None
- Transfer partners
- Yes
- Travel portal redemption
- Yes
- Cash to travel
- No
Transfer partners18
- AeroMexico Rewards 1:1.6
- Aeroplan 1:1
- ANA Mileage Club 1:1
- Asia Miles 5:4
- Avios 1:1
- Choice Privileges Rewards 1:1
- Emirates Skywards 5:4
- Etihad Guest Miles 1:1
- Flying Blue 1:1
- Flying Club 1:1
- Hilton Honors 1:2
- KrisFlyer 1:1
- Leaders Club 4:1
- LifeMiles 1:1
- Marriott Bonvoy 1:1
- Qantas Frequent Flyer 1:1
- SkyMiles 1:1
- True Blue 5:4
Ratio is Membership Rewards points to partner miles or points.
Benefits28 · 5 high value
- Airport Express Credits High value$120 Global Entry / TSA PreCheck Credit + 1 more airport express credits benefit
- Credits & Discounts High value$155 Walmart+ Credit + 10 more credits & discounts benefits
- Anniversary Bonuses $895 Annual Engagement Bonus
- Car Rental Insurance Car Rental Loss and Damage Insurance
- Cell Phone Protections Cell Phone Protection
- Instant Perks & Status Car Rental Privileges + 4 more instant perks & status benefits
- Lounge Access Global Lounge Collection
- Travel Protections Baggage Insurance Plan + 5 more travel protections benefits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Morgan Stanley Platinum |  American Express Platinum |  American Express Gold |  Chase JP Morgan Reserve Card | |
|---|---|---|---|---|
| Annual fee | $895 | $895Same | $325−$570 | $795−$100 |
| Signup bonus | 80,000 pts | 175,000 pts | 100,000 pts | None |
| Top rate | 5×3 categories | 5×Hotels (Portal), Airfare | 5×Hotels (Portal) | 10×Special |
| Travel value * | 1.9¢Membership Rewards | 1.9¢Membership Rewards | 1.9¢Membership Rewards | 1.85¢Ultimate Rewards |
| Why it’s here | This card | Same issuer and the same Membership Rewards points | Same issuer and the same Membership Rewards points | An annual fee within $100, with transferable points |
American Express Platinum
$895 fee (same) · 5× top175,000 pts bonusSame issuer and the same Membership Rewards points
American Express Gold
$325 fee (−$570) · 5× top100,000 pts bonusSame issuer and the same Membership Rewards points
Chase JP Morgan Reserve Card
$795 fee (−$100) · 10× topNone bonusAn annual fee within $100, with transferable points
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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