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: $895
- 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 11/12/25.
- DIRECT LINK
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
- $600 FHR/THC Hotel Credit ($300 semi-annually)
- $400 Resy Credit ($100 per quarter)
- $300 Lululemon Credit ($75 per quarter)
- $300 Digital Entertainment Credit ($25/month)
- $200 in annual Uber savings ($15 in Uber Cash for U.S. rides every month plus a bonus $20 in December)
- $120 Uber One Membership Credit
- $200 annual Airline Fee Credit
- $100 in statement credits annually for purchases at Saks Fifth Avenue or Saks.com. That’s up to $50 on a semi-annual basis. Enrollment required.
- Receive one Global Entry ($120) statement credit or one TSA Precheck ($85) statement credit
- $209 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.
Conclusion
With Morgan Stanley ending the Access Investing account, it is now harder to waive the annual fee on the Morgan Stanley Platinum Card. The Annual Engagement Bonus still shows as $695 on the application page, but account holders are seeing a message that says they “may be eligible for an increased Annual Engagement Bonus” advising them to contact the Morgan Stanley team for additional details.
It’s also worth noting that 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.
This 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.
If you are looking for the new Mirror Finish design, that is only available on the regular Amex Platinum card.
