Amex Platinum (Morgan Stanley)

Earn 150,000 Membership Rewards points after spending $12,000 on the card within your first 6 months of account opening. Points are credited once you reach the spending threshold and can be transferred to airline and hotel partners or redeemed through Amex Travel.

Earn 5 Membership Rewards points per dollar on prepaid hotel bookings made through AmexTravel.com. You must pay upfront through the Amex Travel portal to qualify — hotels booked elsewhere or paid at the property earn only the base rate.

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.

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

Earn 5 Membership Rewards points per dollar on flights purchased directly through an airline or via American Express Travel. This rate applies to up to $500,000 in qualifying flight purchases each calendar year, after which the base earn rate kicks in.

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

Statement credit for Global Entry ($120) or TSA PreCheck ($85) application fee every 4 years.

Up to $300 back twice a year on select prepaid hotel bookings through Amex Travel.

Up to $209 in statement credits per calendar year for a CLEAR+ membership.

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

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

Get up to $600 back per year on Fine Hotels + Resorts stays booked through American Express Travel — paid as up to $300 in credits each half of the year. Only eligible charges at participating FHR properties qualify for the credit.

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

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.

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

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

Up to $200 in Uber Cash annually when you add your Platinum Card to your Uber account.

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

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

Guaranteed 4pm late check-out and complimentary breakfast for two at 1,800+ Fine Hotels + Resorts properties when booked through Amex Travel.

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

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

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

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.

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

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.

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

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

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

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.

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.

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

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

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.

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.

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.

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.

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

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

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

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

Add one authorized user to your account at no additional cost. They receive their own card, and their purchases earn Membership Rewards points on your primary account. Adding more than one authorized user may incur a fee.

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

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.

No foreign transaction fees when using the Platinum Card abroad.

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

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.