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The Platinum Card® from American Express Exclusively for Morgan Stanley
- Regular Purchase APR See Pay Over Time APR
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $695
- Credit Needed Excellent
- Processing Network American Express
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year
- 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com
- $200 Airline Fee Credit, up to $200 in statement credits per calendar year in baggage fees and more when you select one qualifying airline
- Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required
- Access to the American Express Global Lounge Collection
- VIP status and $200 Uber savings on rides or eats orders in the US annually
- Complimentary Gold status in Marriott Bonvoy and Hilton Honors programs
- Complimentary membership in premium car rental programs
- $240 Digital Entertainment statement credit
- $175 CLEAR statement credit
- $300 Equinox Statement credit
- Regular Purchase APR: See Pay Over Time APR
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: See Rates & Fees
- Annual Fee: $695
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Morgan Stanley Blue Cash Preferred® Card
- Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $0 intro annual fee for the first year, then $95
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network American Express
- No annual fee for the first year
- Earn a $100 statement credit after spending $15,000 on eligible purchases per calendar year
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% Cash Back on select U.S. streaming subscriptions
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more)
- 1% Cash Back on other purchases
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness the Prime Rate
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $0 intro annual fee for the first year, then $95
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
The Platinum Card® from American Express
- Regular Purchase APR See Pay Over Time APR
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $695
- Credit Needed Excellent
- Processing Network American Express
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year
- 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com
- $200 Airline Fee Credit, up to $200 in statement credits per calendar year in baggage fees and more when you select one qualifying airline
- Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required
- Access to the American Express Global Lounge Collection
- VIP status and $200 Uber savings on rides or eats orders in the US annually
- Complimentary Gold status in Marriott Bonvoy and Hilton Honors programs
- Complimentary membership in premium car rental programs
- $240 Digital Entertainment statement credit
- $175 CLEAR statement credit
- $300 Equinox Statement credit
- Regular Purchase APR: See Pay Over Time APR
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: See Rates & Fees
- Annual Fee: $695
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
American Express® Gold Card
- Regular Purchase APR See Pay Over Time APR
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $250
- Credit Needed Excellent , Good
- Processing Network American Express
- Earn 4X points at restaurants worldwide, including takeout and delivery
- Earn 4X points at U.S. supermarkets, up to $25,000 per year
- Earn 3X points on flights booked directly with airlines or on amextravel.com
- Earn a $120 dining credit as monthly statements when you pay with the Gold Card at Grubhub, Seamless, Boxed, and other participating partners. Enrollment required
- No foreign transaction fees
- Regular Purchase APR: See Pay Over Time APR
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $250
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
American Express® Green Card
- Regular Purchase APR See Pay Over Time APR
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $150
- Credit Needed Excellent
- Intro Purchase APR 0% for 12 months on purchases eligible for Pay Over Time
- Processing Network American Express
- Earn 3X points on all eligible travel (flights, hotels, transit, taxis, tours, ridesharing)
- Earn 3X points at restaurants worldwide, including takeout and delivery
- Earn 1X points on all other purchases
- Receive up to $100 per year in statement credits to pay for your CLEAR® membership
- Earn up to $100 in statement credits per calendar year on your LoungeBuddy purchases
- Baggage insurance plan up to $1,250
- 0% Intro APR for 12 months from the date of account opening on purchases eligible for Pay Over Time
- Intro Purchase APR: 0% for 12 months on purchases eligible for Pay Over Time
- Regular Purchase APR: See Pay Over Time APR
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $150
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Amex EveryDay® Preferred Credit Card
- Regular Purchase APR 12.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $95
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network American Express
- 3X points per $1 at supermarkets (up to $6,000)
- 2X points per $1 at gas stations
- 1X points per $1 on other eligible purchases
- Earn 50% more points when you make 30+ purchases with your Card in a billing period
- 0% APR on purchases and balance transfers for 12 months
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 12.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $95
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Amex EveryDay® Credit Card
- Regular Purchase APR 12.99% to 23.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 15 months from account opening date
- Processing Network American Express
- Earn 20% extra points when you make 20+ purchases in a billing period
- 2X points per dollar spent at U.S. supermarkets (up to $6,000)
- 1X points on every other eligible dollar spent
- 0% intro APR on purchases for 15 months
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 12.99% to 23.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Blue Cash Preferred® Card
- Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None the first year. After that, $95
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network American Express
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% Cash Back on select U.S. streaming subscriptions
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more)
- 1% Cash Back on other purchases
- Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness the Prime Rate
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: None the first year. After that, $95
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Blue Cash Everyday® Card
- Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 15 months from account opening date
- Processing Network American Express
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
- 2% cash back at U.S. gas stations and select U.S. department stores
- 1% cash back on other purchases
- Car rental loss and damage insurance
- Amex Global Assist Hotline
- Complimentary Shoprunner membership
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Cash Magnet® Card
- Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 15 months from account opening date
- Processing Network American Express
- Earn $200 back after spending $2,000 within the first 6 months
- Unlimited 1.5% cash back on your purchase
- Introductory purchase APR of 0% for 15 months, then a variable APR, 13.99% to 23.99%
- Use Amex Offers to get rewarded at places you like to shop, dine, travel, and more
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Offer Details
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About American Express
American Express is one of the top issuers of credit cards in the world. American Express offers two kinds of credit products: charge cards and credit cards. But what’s the difference between a credit card and a charge card?
What Is a Charge Card?
Many of the Amex credit cards people instantly imagine when the name “American Express” pops up aren’t actually credit cards. The Platinum Card from American Express, the Amex Gold Card, and other products are hybrid credit products that somewhat resemble charge cards. Amex also offers business charge cards, like the Business Platinum Card.
Amex cards differ from credit cards in several important ways:
- Some premium Amex cards don’t have a pre-set spending limit: Unlike credit cards, which come with a credit limit, premium Amex cards don’t have a limit. Instead, cardholders are expected to pay their entire balance in full.
- Pay in Full Each Month: Unlike credit cards, hybrid charge cards require payment in full each month.
- Annual Fees: Premium Amex cards typically have annual fees. In contrast, not every credit card charges a fee each year.
- Limited Availability: Credit cards come from a massive number of issuers. Charge cards, on the other hand, are not as widely available anymore. Really, American Express is the only major company to offer charge cards.
Charge cards make sense for those concerned about their credit utilization. Because they lack a set spending limit, charge cards don’t have the same effect on a credit score as a credit card. Neither FICO nor VantageScore factor in charge cards, making them an excellent choice for financing larger purchases that can be paid back at the end of the billing period.
American Express Credit Cards
While many of the best-known cards from American Express are hybrid cards, the company also offers excellent credit card products, like the Blue Card, Blue Cash Preferred Card, or the Blue Business Plus. Credit cards from American Express cover every style and variety.
These include hotel rewards cards, airline rewards credit cards, cash back credit cards, and business credit cards. The Blue Cash everyday card from American Express provides cashback on all purchases, plus a spending bonus.
American Express Membership Rewards Guide
American Express Membership Rewards is the loyalty program for American Express credit card members. How does American Express Rewards work? American Express Rewards is available to those with “classic” American Express (Amex) rewards credit cards, like the Platinum Card, the Gold Card, and the Green Card. The Amex EveryDay® Credit Card also applies for Membership Rewards.
Value of Amex Membership Rewards Points
American Express Membership Rewards are among the most valuable points in the credit card rewards space. Amex Rewards points are comparable to Chase Ultimate Rewards Points in that they offer exceptional value on travel redemptions. This includes 1:1 point transfer partners and enhanced and expedited travel partner transfers.
Amex points have a current value of 2 cents per point, placing them on par with Chase points. The real benefit with Amex, however, is the sheer volume of transfer partners and the speed at which point transfers are completed.
How to Earn Points with Amex
Amex Rewards points are like points from other programs. Cardholders earn points for qualifying purchases, with select categories earning enhanced points. Cardholders also earn points through signup bonuses, something Amex is known for. Some American Express credit cards offer signup bonuses of up to 100,000 points, making them among the most lucrative credit cards on the market.
Other options for earning large amounts of Amex points include referral bonuses for recommending American Express credit card products to friends and family, getting extra points through select offers, or taking advantage of limited-time opportunities. Cardholders can also transfer points from other loyalty programs, including hotels and airlines worldwide.
How to Redeem Points
As with other loyalty programs, Amex Membership Rewards points apply to a wide variety of redemption options. Those redemption options include:
- Travel
- Statement credits
- Shopping for merchandise
- Gift Cards
- Charitable donations
- Points transfers
Using points for statement credits or shopping provides the lowest value for money. Using points as credits towards account charges provides a value below one cent per point, making it an option to avoid unless necessary.
The same applies to shop purchases – especially through Amazon, where Amex points are usable (along with Discover points). Using points on Amazon.com, however, provides the same valuation as statement credits – 0.65 cents per point. That valuation is well below the two cents per point some travel partners offer.
American Express Travel Partners
The best options for AMEX points are by booking travel through the American Express travel portal, or through their partners. Booking at Amextravel.com provides a point valuation of up to two cents per point. This valuation places the points on par with Chase Ultimate Rewards, widely considered some of the best travel rewards points on the market today.
American Express offers instant transfers to 14 partners:
- Aer Lingus
- Air Canada
- Hawaiian Airlines
- Air France/ KLM
- JetBlue
- Alitalia
- Virgin Atlantic
- British Airways
- Choice
- Delta
- Hilton
- El Al
- Marriott Bonvoy
- Emirates
Amex also offers near-instant (48 hours+) transfers to nine additional partners:
- Aeromexico
- Iberia
- Etihad
- All Nippon Airways (ANA)
- Singapore Airlines KrisFlyer
- Cathay Pacific
- SAS EuroBonus
- Qantas
- Finnair
What to Look for in an American Express Credit Card
Also, many of these partners offer point transfers at a ratio of 1:1, which is comparable with Chase Ultimate Rewards. Unlike Chase, however, the speed these transfers take place is unmatched, making Amex Membership Rewards perfect for travelers who frequently make last-minute changes to their itinerary.
When applying for an Amex Card, what should you look out for before applying?
- Rewards: What do you want in a credit card? Do you plan to use your card for cash back rewards, or do you think you’ll find more value through redeeming for travel?
- Annual Fee: Carefully weigh up the annual fee versus how much you plan to make use of the perks the card offers. If, for example, you travel frequently, the Platinum Card offers much more value for money than the $550 annual fee. If you travel infrequently, however, other options may provide better value.
- No Foreign Transaction Fees: Many Amex credit cards feature no foreign transaction fees.
- Co-Branded: American Express Cards branded with a hotel (like Hilton) or an airline (like Delta) offer exceptional value for those who frequent those brands. They provide less value, however, for those who prefer to shop around.
- Sign Up Bonuses: Many Amex credit cards come with an impressive intro bonus. Some cards offer big signup bonuses when you spend $1,000 in purchases within three months of card membership. Amex rewards cards, like the Hilton Honors American Express, offer extra Hilton Honors bonus points after you spend a set amount.
FAQs About American Express
Here are answers to commonly asked questions about American Express, Amex rewards credit cards, and more:
No. At this time American Express does not have an Amex card for those with bad or fair credit. The company does offer two prepaid debit cards, the Amex Bluebird and Amex Serve, both of which are available to anyone. The Bluebird is an Amex card issued with Walmart.
No. There used to be the Navy Federal Amex Secured Card, issued through Navy Federal Credit Union. That card, however, is no longer being issued, meaning there are currently no Amex secured cards available.
Yes. Amex recently introduced its Amex Score Goals program. This free program – open to anyone with -or without – an American Express card, lets you check your credit score and set up a plan to reach your dream credit score.
Amex charges a penalty fee of $27 for the first late payment and up to $38 for a second late payment in the following six billing periods. These penalty fees cannot exceed the minimum balance due, however.
Visit https://www.americanexpress.com/en-us/account/login to access your American Express credit card or charge card account. At this site you can login to your US American Express account, activate a new AMEX card, review and spend your reward points, and more.
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