Amex Platinum (Morgan Stanley) Benefits, Credits & Annual Fee

• $219 CLEAR+ Credit$219 / yrTrackable

  Up to $219 in statement credits per calendar year after you pay for a CLEAR+ Membership with the Morgan Stanley Platinum Card (excluding taxes and fees; subject to auto-renewal).

  Resets: Calendar yearChecked Oct 1, 2026
• Airline Incidental Fee Credit$200 / yrTrackable

  Up to $200 in statement credits per calendar year for incidental fees on a selected qualifying airline.

  Resets: Calendar yearChecked Jul 4, 2026
• Annual Engagement Bonus for Platinum CashPlus Accounts$895 / yrTrackable

  Morgan Stanley deposits an $895 bonus into your eligible Platinum CashPlus account once per cardmember year, effectively reimbursing the card's entire annual fee. You must hold a qualifying Morgan Stanley Platinum CashPlus account to receive this benefit.

  Resets: Cardmember yearChecked Oct 1, 2026
• Digital Entertainment Credit$25 / moTrackableEnrollment required

  Up to $25 back each month on select digital subscriptions.

  Resets: MonthlyChecked Jul 4, 2026
• Equinox Credit & SoulCycle At-Home Bike Credit$300 / yrTrackable

  Up to $300 back per calendar year on Equinox+ subscription or Equinox club membership, plus $300 back on a SoulCycle at-home Bike.

  Resets: Calendar yearChecked Oct 9, 2026
• Fee Credit for Global Entry or TSA PreCheck®$120 / 4yrTrackable

  Get a statement credit for your Global Entry application fee (up to $120) or TSA PreCheck fee (up to $85). Pay the fee with your Platinum Card. You can use it once every four years, and TSA PreCheck must go through an official enrollment provider.

  Resets: Every 4 yearsChecked Oct 9, 2026
• Fine Hotels + Resorts / Hotel Collection Credit$300 / 6moTrackable

  Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel (up to $600 per calendar year). The Hotel Collection requires a minimum two-night stay.

  Resets: Twice a yearChecked Sep 14, 2026
• Lululemon Credit$75 / qtrTrackableEnrollment required

  Up to $75 back each quarter on eligible lululemon purchases in the U.S.

  Resets: QuarterlyChecked Jul 4, 2026
• Oura Ring Credit$200 / yrTrackable

  Get up to $200 in statement credits each calendar year on Oura Ring purchases. Buy at ouraring.com using your Platinum Card. Enrollment is required, and only eligible purchases charged to your card count.

  Resets: Calendar yearChecked Oct 9, 2026
• Uber Cash Credit$200 / yrTrackable

  $15 in Uber Cash each month, plus a bonus $20 in December after adding the Card to the Uber account (up to $200 annually). Use on U.S. rides and orders when an Amex Card is selected.

  Resets: Calendar yearChecked Sep 13, 2026
• Uber One Credit$120 / yrTrackable

  Up to $120 in statement credits each calendar year for an auto-renewing Uber One membership.

  Resets: Calendar yearChecked Oct 1, 2026
• Walmart+ Monthly Membership Credit$12.95 / moTrackable

  Statement credit up to $12.95/month for a Walmart+ monthly membership.

  Resets: MonthlyChecked Oct 1, 2026

Travel Benefits

• Cruise Privileges Program$300

  Up to $300 in onboard credits and benefits when booking a qualifying cruise through AmexTravel.com.

  Checked Jul 4, 2026
• Destination Family

  Get extra perks on new cruise or tour package bookings made through American Express Travel with participating travel providers. Pay with an eligible U.S. Consumer, Business, or Corporate American Express Card. Only new bookings qualify.

  Checked Oct 9, 2026
• Fine Hotels + Resorts® Program$100

  Get a $100 property credit toward eligible charges during a Fine Hotels + Resorts stay. Book a participating property through American Express Travel and charge qualifying expenses to your room; covered charges vary by property.

  Checked Oct 1, 2026
• Insider Fares

  Book flights for fewer Membership Rewards points with Insider Fares. Look for them when you search flights through Amex Travel. Availability varies by flight.

  Checked Oct 9, 2026
• Lowest Hotel Rates Guarantee

  Get refunded the difference if you find a lower price for the same hotel room after booking on amextravel.com or the Amex Travel App. The room, dates, guests, rate type, and cancellation, change, refund, and deposit policies must all match. The comparison is made before taxes and fees.

  Checked Oct 9, 2026
• Pay with Points at AmexTravel.com

  Use Membership Rewards points to pay for travel booked at AmexTravel.com. Charge the purchase through American Express Travel to a Membership Rewards-enrolled American Express Card. Eligible purchases only.

  Checked Oct 9, 2026
• Platinum Member Airfares™

  Exclusive reduced airfares on select tickets with over 30 airlines when booked through Amex Travel.

  Checked Jul 4, 2026
• The Hotel Collection

  Access to over 1,300 high-quality, upscale hotels with exclusive benefits through The Hotel Collection.

  Checked Jul 4, 2026

Lounge Access

• Centurion Lounge Complimentary Guest AccessMin charge $75,000

  Complimentary guest access for up to two guests per visit to The Centurion Lounge, unlocked after $75,000 in eligible purchases in a calendar year.

  Checked Jul 4, 2026
• Delta Sky Club® AccessTrackable

  10 visits per year to the Delta Sky Club when flying on an eligible Delta flight, valid February 1 through January 31 of the next calendar year.

  Resets: Calendar yearChecked Oct 1, 2026
• Priority Pass Guest Access

  Bring up to two guests free into Priority Pass lounges that allow guests. Visit with your enrolled Priority Pass membership. Lounges that don't admit guests aren't covered.

  Checked Oct 9, 2026
• The American Express Global Lounge Collection®Enrollment required

  Access to 1,550+ airport lounges in over 500 airports worldwide, with enrollment required in Priority Pass Select.

  Checked Jul 4, 2026

Hotel Status

• Hilton Honors Gold Status

  Complimentary Hilton Honors Gold status for Platinum Card Members, granting benefits at Hilton Portfolio properties and accelerated point earning.

  Checked Jul 4, 2026
• Leaders Club Sterling Status from The Leading Hotels of the WorldEnrollment required

  Complimentary Leaders Club Sterling Status from The Leading Hotels of the World for Platinum Card Members.

  Checked Jul 4, 2026
• Marriott Bonvoy Gold Elite StatusEnrollment required

  Complimentary Marriott Bonvoy Gold Elite Status for Platinum Card Members without needing to meet any stay requirements.

  Checked Jul 4, 2026

Rental Car

• Car Rental Loss and Damage Insurance

  Provides secondary coverage for damage to or theft of a rental vehicle in a covered territory when the entire rental is charged to the Eligible Card and the CDW is declined.

  Checked Oct 9, 2026
• Car Rental PrivilegesEnrollment required

  Complimentary premium status at select car rental programs, including upgrades when available, discounts, and priority service.

  Checked Jul 4, 2026
• Premium Car Rental ProtectionEnrollment required

  Provides primary coverage for damage to or theft of a rental vehicle, plus Accidental Death or Dismemberment coverage, every time you rent using your enrolled Card.

  Checked Jul 4, 2026

Travel Insurance

• Baggage Insurance Plan

  Covers lost, damaged, or stolen baggage when traveling on a Common Carrier Vehicle and the entire fare is charged to the Eligible Card.

  Checked Oct 9, 2026
• Trip Cancellation and Interruption Insurance

  Get coverage for eligible trip cancellations or interruptions at no extra cost. It's provided by New Hampshire Insurance Company, an AIG Company. It's secondary coverage with terms and limits, so check the Guide to Benefits.

  Checked Oct 9, 2026
• Trip Delay Insurance

  Get coverage for eligible trip delays at no extra cost. It's provided by New Hampshire Insurance Company, an AIG Company. It's secondary coverage with terms and limits, so check the Guide to Benefits.

  Checked Oct 9, 2026

Bonus Earnings

• 2X Membership Rewards on Cruise Bookings2x points

  Earn 2X Membership Rewards points on eligible cruise bookings. That's one extra point per dollar on top of the base rate. You must be enrolled in Membership Rewards.

  Checked Oct 9, 2026
• 5X Points on Flights Booked Directly with Airlines5x points

  Earn 5X Membership Rewards points for flights booked directly with airlines or through American Express Travel, on up to $500,000 on these purchases per calendar year.

  Checked Sep 14, 2026
• 5X Points on Prepaid Hotels Booked with American Express Travel5x points

  Earn 5X Membership Rewards points on prepaid hotels booked with American Express Travel, including Fine Hotels + Resorts and The Hotel Collection.

  Checked Sep 14, 2026
• Big Spend Bonus$500 / yrTrackableMin spend $100,000

  Reach $100,000 in purchases during a single cardmember year and receive a one-time $500 bonus. The bonus is credited after you hit the threshold, and your spending counter resets each year on your account anniversary.

  Resets: Card anniversaryChecked Sep 13, 2026
• Platinum Destinations® Vacations Bonus Point

  Earn 1 extra Membership Rewards point per dollar on vacation packages booked through Platinum Destinations® Vacations via Amex Travel.

  Checked Jul 4, 2026

Dining Benefits

• Global Dining Access by Resy

  Link your Resy profile to your American Express account to view reservations and dining recommendations.

  Checked Jul 4, 2026
• Platinum Nights by Resy

  Get access to in-restaurant dining reservations on select nights in select cities through Resy. Look for Platinum Nights offerings on Resy. Availability is limited to participating restaurants and cities.

  Checked Oct 9, 2026
• Resy Credit$100 / qtrTrackableEnrollment required

  Up to $100 back each quarter on eligible Resy and U.S. Resy restaurant purchases.

  Resets: QuarterlyChecked Jul 4, 2026

Purchase Protection

• Cell Phone Protection

  Covers repair or replacement of a damaged or stolen cell phone up to $800 per claim, with a $50 deductible and a limit of 2 approved claims per 12-month period.

  Checked Oct 9, 2026
• Extended Warranty

  Extends the Original Manufacturer's Warranty by up to one additional year on covered purchases in the U.S. with warranties of 5 years or less.

  Checked Oct 9, 2026
• Purchase Protection

  Covers eligible purchases against theft, accidental damage, or loss for up to 90 days from the purchase date, up to $10,000 per covered purchase and $50,000 per calendar year.

  Checked Oct 9, 2026
• Return Protection

  Get help when a merchant won't take back an eligible item you bought with your Platinum Card. Terms, conditions, and exclusions apply, so check the Guide to Benefits for the return window and limits.

  Checked Oct 9, 2026

Concierge & Membership

• Platinum Card® Concierge

  24/7 concierge service to help with dinner reservations, event tickets, and other personal requests.

  Checked Jul 4, 2026
• Premium Global Assist Hotline

  Provides 24/7 emergency assistance and coordination services including medical, legal, and financial referrals when traveling more than 100 miles from home; emergency medical transportation may be provided at no cost if approved.

  Checked Oct 9, 2026

Entertainment

• American Express Venue Collection™$250 / yrEnrollment required

  Enhanced stadium/arena experience with dedicated entrances, fast lanes, and 10% back on qualifying concessions up to $250 per calendar year.

  Checked Oct 9, 2026
• Amex Special Ticket Access

  Access to Amex Presale Tickets and Amex Reserved Tickets for select sports, music, and other events, plus additional perks at select events.

  Checked Jul 4, 2026
• Premium Events Collection

  Get access to Premium Events Collection experiences, such as special events and VIP offerings. Platinum Card Members are eligible. Offerings vary by event and location.

  Checked Oct 9, 2026

Fees & Miscellaneous

• Amex OffersEnrollment required

  Earn additional rewards on qualifying purchases at select merchants through targeted Amex Offers.

  Checked Jul 4, 2026
• Free Authorized User$0 / yr

  Get your first Additional Platinum Card with a $0 annual fee. Add an Additional Platinum Card member to your Morgan Stanley Platinum Card account; the waiver applies only to the first Additional Platinum Card.

  Checked Oct 1, 2026
• No Foreign Transaction Fees

  No foreign transaction fees when using the Platinum Card abroad.

  Checked Jul 4, 2026
• Points Redemption into Morgan Stanley Account

  Redeem your Membership Rewards points at 1 cent each as a direct cash deposit into a linked Morgan Stanley brokerage account. Your card must be connected to an eligible Morgan Stanley account to use this option, which offers a stronger cash-back rate than many standard redemption methods.

  Checked Jul 4, 2026
• Send MoneyEnrollment required

  Send money to any Venmo or PayPal user with no standard credit card fee, directly from the Amex App.

  Checked Jul 4, 2026
• Split PurchasesEnrollment required

  Split Amex purchases with other Venmo or PayPal users directly from the Amex App.

  Checked Jul 4, 2026
• Use Points with Morgan Stanley

  As a Morgan Stanley cardholder, you can use your Membership Rewards points in conjunction with your Morgan Stanley accounts, including depositing point value directly into a linked brokerage account. This integration makes it easy to put rewards toward your investments.

  Checked Jul 4, 2026