American Express
Amex Blue Cash Preferred (Morgan Stanley) Benefits, Credits & Annual Fee
$95 / yr (waived year 1) · Earns Cash Back
A cash back card best suited for families who spend heavily at U.S. supermarkets and on streaming services. It earns 6% back at grocery stores and on select streaming, 3% at gas stations and transit, and 1% on everything else.
- 6%Streaming
- 6%Groceries
- 3%U.S. Gas Stations +1
- $250Venue Collection
$470/yr in credits · $95 annual fee
Maintained by Creddy Editorial · Catalog checked Oct 9, 2026
Amex Blue Cash Preferred (Morgan Stanley) at a Glance: $95 Annual Fee, Issuer and Rewards
- Annual fee:
- $95 / yr (waived year 1)
- Issuer:
- American Express
- Rewards:
- Cash Back
- Credits:
- 3 recurring, up to $470 a year
Amex Blue Cash Preferred (Morgan Stanley) Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Streaming | 6% | |
| Groceries | 6% | |
| Gas | 3% | |
| Transit | 3% | |
| Everything else | 1% |
Who Should Get the Amex Blue Cash Preferred (Morgan Stanley)?
The Amex Blue Cash Preferred (Morgan Stanley) fits people who spend most on streaming (6%) and groceries (6%). Its $95 annual fee makes sense if the $470 a year in credits Creddy lists, plus what you earn, covers it with credits you would use anyway.
Is the Amex Blue Cash Preferred (Morgan Stanley) Worth the $95 Annual Fee?
The Amex Blue Cash Preferred (Morgan Stanley) costs $95 a year. Creddy lists 3 trackable credits worth up to $470 a year if you use every one, $375 more than the fee. You break even once you use about 20% of that credit value, so count only the credits you would use anyway. Credits that need a spending threshold are not counted.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Amex Blue Cash Preferred (Morgan Stanley) Welcome Bonus
$250 Reward Dollars
Amex Blue Cash Preferred (Morgan Stanley) Statement Credits and When They Reset
- American Express Venue Collection Concessions Statement Credit$250 / yrTrackable
Get 10% back as statement credits on qualifying food and drink purchases at American Express Venue Collection stadiums and arenas, up to $250 per calendar year. Enroll your card and use it at participating concessions. Only one card per cardholder can be enrolled; the offer ends December 31, 2026.
Resets: Calendar yearChecked Oct 2, 2026 - Annual Statement Credit$100 / yrTrackableMin charge $15,000
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.
Resets: Calendar yearChecked Jul 4, 2026 - Big Spend Bonus$100 / yrTrackableMin spend $15,000Min charge $15,000
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.
Resets: Card anniversaryChecked Oct 1, 2026 - Disney Streaming Credit$10 / moTrackableEnrollment required
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.
Resets: MonthlyChecked Oct 1, 2026
Amex Blue Cash Preferred (Morgan Stanley) Travel Benefits
Travel Benefits
- Destination Family
Get extra benefits on new cruise or tour package bookings made through American Express Travel with participating providers. Pay with an eligible American Express Card. Benefits apply only to new bookings and vary by provider.
Checked Oct 9, 2026 - Lowest Hotel Rates Guarantee
Get a refund of the price difference if you find a lower online rate after booking a qualifying hotel through Amex Travel online or in its app. The lower rate must be for the same room, dates, guests, rate type, and booking policies; prices are compared before taxes and fees.
Checked Oct 1, 2026
Rental Car
- Premium Car Rental ProtectionEnrollment required
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.
Checked Oct 1, 2026 - Car Rental Loss and Damage Insurance
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.
Checked Oct 1, 2026
More Amex Blue Cash Preferred (Morgan Stanley) Card Benefits
Bonus Earnings
- 6% Cash Back on Select U.S. Streaming Subscriptions6%
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.
Checked Jul 4, 2026 - 6% US Supermarkets Cash Back6%
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.
Checked Jul 4, 2026 - 3% Cash Back at U.S. Gas Stations and on Transit3%
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.
Checked Oct 1, 2026 - 1% Cash Back on Other Purchases1%
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.
Checked Jul 4, 2026
Purchase Protection
- Return Protection
Get a refund if a merchant refuses to take back an eligible item within 90 days of purchase. Buy the item entirely with your card in the U.S. or its territories. Refunds exclude shipping and handling and are limited to $300 per item and $1,000 per calendar year per account.
Checked Oct 1, 2026 - Purchase Protection
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.
Checked Sep 26, 2026 - Extended Warranty
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.
Checked Oct 7, 2026
Concierge & Membership
- Global Assist Hotline
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.
Checked Sep 26, 2026
Entertainment
- American Express Venue Collection Entrances and Fast Lanes
Use dedicated entrances or fast lanes at select American Express Venue Collection stadiums and arenas. Look for the designated entry options when attending a participating venue; availability varies by location and event.
Checked Oct 1, 2026 - Amex Presale Tickets
Buy Amex Presale Tickets for select events and seats before tickets go on sale to the general public. Look for an Amex presale during its specified sales window and use your American Express card to purchase available tickets.
Checked Oct 1, 2026 - Amex Reserved Tickets
Buy Amex Reserved Tickets for select events and seats. Look for reserved-ticket availability during the specified sales period and use your American Express card to purchase tickets; selection and timing vary by event.
Checked Oct 1, 2026 - Amex Special Ticket Access
Get access to Amex Presale and Amex Reserved Tickets for select sports, music, and other events. Use your American Express card to purchase available tickets during the applicable sales window. Some events also offer on-site perks.
Checked Oct 1, 2026
Fees & Miscellaneous
- Redeem Cash Back at Amazon.com Checkout
Use your cash back to pay for purchases at Amazon.com checkout. Choose cash back as a payment option when checking out; it has the same redemption value as a statement credit.
Checked Oct 1, 2026 - Foreign Transaction Fee2.7% / yr
A 2.7% fee applies to each purchase made outside the U.S. or in a foreign currency.
Checked Sep 26, 2026 - Introductory Annual Fee Waiver$95
Pay a $0 annual fee for your first year of card membership. After the first year, the annual fee is $95.
Checked Oct 1, 2026
Amex Blue Cash Preferred (Morgan Stanley) vs Other American Express Cards
- Amex Blue Cash Preferred$95 / yr (waived year 1)
- Amex Green$150 / yr
- Delta SkyMiles Gold$150 / yr (waived year 1)
- Hilton Surpass$150 / yr (waived year 1)
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Amex Blue Cash Preferred (Morgan Stanley) FAQs
Is the Morgan Stanley Blue Cash Preferred worth the annual fee?
Compare Amex Blue Cash Preferred (Morgan Stanley)'s current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
What are the benefits of the Morgan Stanley Blue Cash Preferred?
American Express lists one $100 annual statement credit after $15,000 in qualifying calendar-year purchases on Morgan Stanley Blue Cash Preferred, plus up to $10 monthly for eligible Disney streaming subscriptions after enrollment. The spending credit is one benefit, not two separate credits. Checked against the issuer benefit text on September 26, 2026.
What is the annual fee for the Morgan Stanley Blue Cash Preferred?
Creddy's catalog lists a $95 annual fee for Amex Blue Cash Preferred (Morgan Stanley) as checked on September 26, 2026. The catalog marks the first-year fee as waived; confirm the offer you receive. Confirm current pricing and any additional-card fees with American Express before applying or renewing.
Does the Morgan Stanley Blue Cash Preferred come with a welcome bonus?
Welcome offers for Amex Blue Cash Preferred (Morgan Stanley) can change and may depend on your application or account history. Check American Express's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Morgan Stanley Blue Cash Preferred?
Amex Blue Cash Preferred (Morgan Stanley) may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Morgan Stanley Blue Cash Preferred compare to other American Express cards?
Compare Amex Blue Cash Preferred (Morgan Stanley) with other American Express cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.