Amex Blue Cash Preferred (Morgan Stanley)

New cardholders can earn $350 cash back as a statement credit by spending $3,000 within the first 6 months of account opening. The credit posts automatically after qualifying purchases are charged — no code or claim required.

Earn 6% cash back on select U.S. streaming subscriptions charged to your card. This is one of the card's highest earn rates and applies automatically—no activation needed per purchase.

Earn 6% cash back on purchases at U.S. supermarkets, up to $6,000 in spending per year (then 1%). Warehouse clubs like Costco and large-format superstores such as Walmart do not qualify for the elevated rate.

Earn 3% cash back at U.S. gas stations and on transit purchases, including taxis, rideshare, parking, tolls, trains, and buses. The transit category covers a broad range of ground transportation options paid with your card.

Earn 1% cash back on everyday purchases that don't fall into a higher bonus category. This rate applies automatically to all other eligible spending on your card.

Get up to $10 back each month when you pay for eligible Disney+, Hulu, or ESPN+ subscriptions—including bundle plans—with your card. Enrollment is required, and the credit resets monthly, so unused amounts don't roll over.

Earn a $100 statement credit each calendar year by spending $15,000 on eligible purchases with your Morgan Stanley Blue Cash Preferred Card. The spending threshold resets every January 1.

Spend $15,000 on eligible purchases within a card membership year and receive a $100 statement credit automatically. No redemption steps are required — the credit posts once you hit the threshold. The spending window resets at each anniversary.

Covers damage to or theft of a rental car when you pay the full rental cost with your card and decline the rental company's collision damage waiver (CDW). Coverage is secondary to your personal auto insurance and is not available for rentals in Australia, Italy, or New Zealand.

Provides primary coverage for rental car damage or theft, plus Accidental Death or Dismemberment coverage, every time you rent with your enrolled card. Enroll once in one of two available plan options; primary coverage means it pays out before your personal auto insurance.

If a retailer won't accept a return, this benefit may reimburse you for eligible items purchased with your card. Check your card's benefit terms for covered item types, dollar limits, and the window to file a claim.

Adds up to one extra year to a manufacturer's warranty when you pay with your card. Only applies to original warranties of five years or less on items bought in the U.S. or its territories.

Covers new purchases against accidental damage or theft for up to 90 days from the purchase date. Pay with your card to activate coverage. Reimbursement is capped at $1,000 per item and $50,000 per calendar year.

Get 24/7 emergency coordination services—including medical and legal referrals, emergency cash wires, and missing luggage assistance—whenever you travel more than 100 miles from home. You cover any costs charged by third-party providers; the hotline handles the coordination.

The $95 annual fee is waived for your first year of card membership — no action needed, it applies automatically. Starting in year two, the $95 fee will be charged at each annual renewal.

This card charges a foreign transaction fee on purchases made outside the U.S. or billed in a foreign currency. If you travel internationally or shop with overseas merchants, those transactions will cost you extra. You may want to use a different card abroad.