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Improved Bonus of 125,000 Points for Morgan Stanley Amex Platinum Card

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Morgan Stanley Platinum Card 125K Welcome Bonus

Morgan Stanley Platinum Card 125K Welcome Bonus

The Platinum Card from American Express exclusively for Morgan Stanley is one of three Amex Platinum cards available to consumers. Now this version has an improved welcome bonus of 125,000 Membership Rewards points.

The Morgan Stanley Platinum card is a bit different from the other Platinum cards, as it gets you one free authorized user, and lets you redeem points for 1 cent each. You can read all about the card here, and check out the details of the offer below.

The Offer

  • Earn 125,000 Membership Rewards® Points after you spend $6,000 on purchases on your new Card in your first 8 months of Card Membership.
  • Annual Fee: $695
  • Add one Additional Platinum Card for no additional annual fee. After the first Card, each Additional Platinum Card is $195. There is no annual fee for Companion Platinum Cards.
  • Offer expires on 8/14/24.

Card Highlights

  • Earn
    • 5X MR points on airfare booked directly with airlines or through Amex Travel
    • 5X MR points on eligible hotels booked through Amex Travel
  • $200 in annual Uber savings ($15 in Uber Cash for U.S. rides every month plus a bonus $20 in December)
  • $200 annual Airline Fee Credit
  • $200 Hotel Credit for prepaid bookings at Fine Hotels + Resorts(R) or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel.
  • $100 in statement credits annually for purchases at Saks Fifth Avenue or That’s up to $50 on a semi-annual basis. Enrollment required.
  • $240 Digital Entertainment Credit ($20/month)
  • Receive one Global Entry ($100) statement credit or one TSA Precheck ($85) statement credit
  • $189 CLEAR Credit annually.
  • Access to over 1,500+ airport lounges, including The Centurion lounge, Delta Sky Clubs, Airspace Lounges and Priority Pass Select membership
  • Walmart+ Monthly Membership Credit ($12.95/month)

American Express Membership Rewards points are worth 1 cent each when they’re redeemed into an eligible Morgan Stanley account.


With Morgan Stanley ending the Access Investing account, it is now harder to waive the annual fee on the Morgan Stanley Platinum Card. 125,000 is no longer a huge bonus for Amex Platinum, but you do get one free Platinum authorized user which would otherwise cost $195.

The card also lets you redeem your Membership Rewards points at a value of 1 cent each. But the Schwab Platinum Card is a better option at 1.1 cents, and you can also get that same 1 cent value through the free Amex Business Checking account.

It’s also worth noting that you can now get the welcome bonus on one Platinum Card only per lifetime. You may not be eligible to receive a welcome offer if you have or have had this Card, the Platinum Card®, the Platinum Card® from American Express Exclusively for Charles Schwab or previous versions of these Cards.

HT: Doctor of Credit

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Based in NYC. Points/miles enthusiast for years and actively writing about it for the last 6+ years at Danny the Deal Guru. I'm always looking out for deals. Making a few bucks is always nice, but the traveling is by far the best part of this business.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


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