Enjoy an elevated American Express experience with exclusive perks for Morgan Stanley Card Members

Elevate your lifestyle & earn 80,000 Membership Rewards ® points with Platinum

after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. †

Plus, enjoy exclusive benefits for Morgan Stanley Card Members only. Annual Fee $695 †¤

APR info: 21.24% to 29.24% on variable APR on purchases. ¤

Apply Now for the Morgan Stanley Platinum Card, opens in a new window. Learn More

Earn more Cash Back ‡ – starting with a $250 statement credit

after you spend $3,000 on purchases on your new Card in your first 6 months of Card Membership. †

Reward your daily routine with our premier Cash Back Card – enjoy 6% ‡ Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). $0 intro annual fee for the first year, then $95 †¤

APR info: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, 19.24% to 29.99% variable APR. ¤

Apply Now for the Morgan Stanley Blue Cash Preferred Card, opens in a new window. Learn More -->

THE PLATINUM CARD ® FROM AMERICAN EXPRESS EXCLUSIVELY FOR MORGAN STANLEY

Experience premium perks and luxury benefits.

Earn 80,000 Membership Rewards ® Points

after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. †

Morgan Stanley clients with an eligible brokerage account can apply for The Platinum Card ® from American Express Exclusively for Morgan Stanley

Apply Now for the Morgan Stanley Platinum Card, opens in a new window. Learn More

EXCLUSIVE FOR MORGAN STANLEY CARD MEMBERS

Prefer Cash Back ‡ on the purchases you make every day?

Prefer Luxury benefits for travel, entertainment, wellness, and more?

MORGAN STANLEY BLUE CASH PREFERRED ® AMERICAN EXPRESS CARD

Reward your daily routine by earning Cash Back. ‡

Earn $250 back

after you spend $3,000 on eligible purchases on your new Card in your first six months of Card Membership. You will receive the $250 back in the form of a statement credit. †

Receive 6% Cash Back

at U.S. Supermarkets up to $6,000 spent on eligible purchases per year (1% thereafter). Terms Apply. ‡ Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Intro APR

0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable APR, 19.24% to 29.99% ¤

$0 intro annual fee for the first year, then $95 †¤

Apply Now for the Morgan Stanley Blue Cash Preferred Card, opens in a new window. Learn More

EXCLUSIVE FOR MORGAN STANLEY CARD MEMBERS

MORE CASH BACK, WHERE IT COUNTS

Cash back is provided in the form of Reward Dollars that can be redeemed as a statement credit.

Additional benefits and services you can enjoy with both Cards.

Morgan Stanley clients with an eligible brokerage account can apply for The Platinum Card ® from American Express Exclusively for Morgan Stanley and the Morgan Stanley Blue Cash Preferred ® Card. E * TRADE clients with an eligible brokerage account can apply for the Morgan Stanley Blue Cash Preferred ® Card. ‡

Auto-Pay Your Account Balance

Pay your monthly bill automatically from your eligible Morgan Stanley brokerage account or from your eligible checking or savings account at another financial institution.

Online Account Management

Accessing your account online is easy. Get up-to-date information on your reward balance, spending, and reward possibilities, all in a few clicks.

Year-End Summary ‡

At the start of each year, we provide access to a Year-End Summary of charges so you can review your annual spending. Log into your American Express online account to view an interactive overview of your spending in pie or bar charts, organized by categories like travel and restaurants. You can also download your information to print or save for a later date in PDF or Excel to help prepare for your taxes and manage your spending. ‡

American Express ® App ‡

Whether you're planning ahead or improvising in the moment, use the American Express ® App for restaurant recommendations, trip itineraries, hotel bookings, and more. ‡

Send & Split ®‡

Send & Split ® enhances the way you send money and split purchases with other Venmo and PayPal users, all in the American Express ® App ‡ . Now you can pay friends with more flexibility and without the standard Venmo or PayPal credit card fee. ‡

You can also seamlessly split your Amex purchases with others and get paid back directly to your Card as a statement credit. Best part? You’ll be the one to earn the rewards for the purchase you split. Enrollment required. Terms apply.

THE PLATINUM CARD ® FROM AMERICAN EXPRESS EXCLUSIVELY FOR MORGAN STANLEY

A GENEROUS WELCOME BONUS

Earn 80,000 Membership Rewards ® Points

after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. †

EXCLUSIVE FOR MORGAN STANLEY CARD MEMBERS

The Global Lounge Collection The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market.* ‡ *As of 03/2023

$199 CLEAR ® Plus Credit CLEAR ® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership * with up to $199 in statement credits per calendar year after you pay for CLEAR Plus with your Platinum Card ® from American Express Exclusively for Morgan Stanley. * Excluding any applicable taxes and fees. Subject to auto-renewal.

$200 Hotel Credit Make your next trip even more memorable with over 2,600 hotels to choose from, all handpicked with high standards. Save by getting up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel when you pay with your Platinum Card®. Plus, each of these bookings comes with complimentary benefits, such as a room upgrade at check-in**, when available, and a complimentary credit valued at $100 to use towards eligible charges, such as food and beverage, spa, or other on-property charges, which varies by property. ‡ * The Hotel Collection requires a minimum two-night stay. ** Certain room categories are not eligible for upgrade.

Uber Cash, Uber VIP With your Platinum Card, you'll receive $15 in Uber Cash to use on eligible orders with Uber Eats and rides with Uber in the US every month plus a bonus $20 in December*, delivered through an exclusive Uber app experience. That's up to $200 for Uber orders with Uber Eats and rides with Uber annually. You'll also become an Uber VIP, where available, without meeting minimum ride requirements and be matched with top-rated drivers, so that even a 5-minute trip can be a 5-star experience. ‡ *Uber Cash and Uber VIP status is only available to Basic Card Member only.

$200 Airline Fee Credit 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 Card or any of the Additional Cards on your Platinum Card account.* ‡ *American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.

Morgan Stanley clients with an eligible brokerage account can apply for The Platinum Card ® from American Express Exclusively for Morgan Stanley.

MORGAN STANLEY BLUE CASH PREFERRED ® AMERICAN EXPRESS CARD

Reward your daily routine by earning Cash Back. ‡

Earn $250 back

after you spend $3,000 on eligible purchases on your new Card in your first six months of Card Membership. You will receive the $250 back in the form of a statement credit. †

Receive 6% Cash Back

at U.S. Supermarkets up to $6,000 spent on eligible purchases per year (1% thereafter). Terms Apply. ‡ Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Intro APR

0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable APR, 19.24% to 29.99% ¤