AmEx Platinum Card for Morgan Stanley Evaluate (2025.5 Replace: 150k Supply)

physixfan      2025-05-10     2025-05-10

Non-affiliate disclosure: all details about the this card have been collected independently by US Credit score Card Information and has not been reviewed by the issuer.

2024=5.5 Replace: The brand new provide is 150k!

2024.8 Replace: The 125k welcome provide is expired. The present provide is 80k.

2024.5 Replace: The brand new provide is 125k!

Utility Hyperlink

Advantages

1. 150k provide: Earn 150,000 Membership Rewards (MR) factors after spending $8,000 in first 6 months. That is the very best provide on this card in latest historical past.
2. We estimate that Membership Rewards (MR) are value about 1.6 cents/level, see under for a short introduction. So the 150k highest welcome provide is value about $2,400!
3. [Morgan Stanley version only] The primary licensed person is completely free!
4. [Morgan Stanley version only] You may money out your MR factors into your Morgan Stanley brokerage account at a hard and fast ratio 1 cent/level. Notice that the money out ratio for AmEx Platinum for Schwab is 1.1 cents/level, so clearly the Schwab model is a better option for this function.
5. [Morgan Stanley version only] Earn an Anniversary Spend Award of $500 from Morgan Stanley after you spend $100,000 in purchases in your Card every year by your anniversary date. (i.e. simply further 0.5% money again)
6. Earn 5x MR factors for flights booked straight with airways, on as much as $500k. Earn 5x MR factors for flights and pay as you go motels booked with AmEx Journey. Earn 1x MR factors per $1 spent on all different purchases.
7. This card presents varies credit to cowl some bills, see particulars within the subsequent part.
8. Complimentary entry to the next airport lounges:
   • Precedence Go Choose (PPS), that you must enroll it by your self, after which a Precedence Go Choose card will probably be mailed to you, free for as much as 2 companions, observe that AmEx issued PPS playing cards now not give restaurant credit score (they’ll solely be utilized in PPS airport lounges);
   • Centurion Lounges. Visitor entry prices $50 per particular person. Complimentary visitor entry for as much as two visitors per go to after spending $75,000 USD between January 1, 2022 and December 31, 2022 and in every calendar yr thereafter.
   • The Worldwide American Categorical Lounges, companion insurance policies differ by location, however not less than 1 companion totally free;
   • Escape Lounges, free for as much as 2 companions;
   • Delta Sky Golf equipment, you want a Delta boarding go on the identical day, $29 per companion. [2023.9 Update] Efficient 2/1/25, card members of this card will obtain 6 Visits per yr to the Delta Sky Membership; to earn a vast variety of Visits every year beginning on 2/1/25, the entire eligible purchases on the Card should equal $75,000 or extra between 1/1/24 and 12/31/24, and every calendar yr thereafter.
   • Plaza Premium Lounges, free for as much as 2 companions;
   • Airspace Lounges, free for as much as 2 companions.
9. High quality Inns & Resorts (FHR): should you e book motels by way of FHR, you may take pleasure in the advantages of elite members; comparable to room upgrades, free Wi-Fi, free breakfast, and many others. The advantages differ by motels.
10. Complimentary Marriott Bonvoy Gold Standing. Use this hyperlink to activate.
11. Complimentary Hilton Gold Standing. Use this hyperlink to activate.
12. Complimentary membership for Avis, Hertz, and Nationwide membership. Use this hyperlink to activate.
13. Platinum Card Concierge service: for the busy and even lazy, you need to use this service to e book motels or reserve eating places and so forth, the service is alleged to be very, superb.
14. $800 Cellphone safety: rise up to $800 per declare and a pair of claims per yr in cellular phone safety in opposition to lined theft or harm for telephones listed in your month-to-month cellular phone invoice whenever you pay it together with your eligible bank card. Deductible $50.
15. With this bank card, you will get entry to Amex Presents, which frequently presents superb reductions at some shops. Previously we’ve seen presents like: Spend $15 or extra and get $5 again at Walmart; Spend $75 or extra and get $25 again on Amazon.com.
16. Refer a buddy: You may earn 15,000 bonus MR factors for each permitted account you refer, as much as 55,000 MR factors per calendar yr.
17. This card is comparatively simple to get permitted for as a result of it’s a Cost Card, not a Credit score Card. Cost card implies that you don’t have the choice to pay solely minimal cost, you need to pay your steadiness in full on the due dates. Notice that Cost Card functions may even lead to a Onerous Pull, similar to Credit score Card functions.
18. Cost Playing cards haven’t any pre-set spending restrict.
19. No international transaction payment.

Varies Credit

This card has varies credit to cowl some bills. They’re:

1. [$200 airline fee credit] Stand up to $200 credit score for airline incidental costs comparable to checked baggage per calendar yr. Airline ticket itself will not be eligible. As a result of this profit resets in response to calendar yr as an alternative of whenever you opened the cardboard, you may really get airline payment credit score TWICE earlier than the second annual payment posts! Notice that this profit will not be mechanically enrolled, that you must enroll and specify an airline by clicking right here.
2. [$200 FHR/THC hotel credit] Stand up to $200 credit score on pay as you go High quality Inns Resorts (FHR) or The Resort Assortment (THC) bookings per calendar yr. Bookings of THC require a minimal keep of two consecutive nights. As a result of this profit resets in response to calendar yr as an alternative of whenever you opened the cardboard, you may really get airline payment credit score TWICE earlier than the second annual payment posts!
3. [$200 Uber credit] Get $15 Uber credit score monthly besides Dec, and $35 in December. That’s $200 per yr. The unused credit will expire each month.
4. [$100 Saks credit] Stand up to $50 in assertion credit on Saks Fifth Avenue from January by way of June, and as much as $50 from July by way of December. Each on-line and in retailer will work. No minimal buy required. Enrollment required.
5. [Complementary Walmart+ membership] Pay your Walmart+ membership together with your AmEx Platinum card, and you’re going to get full credit score again ($12.95/month).
6. [$100 Global Entry credit] Get $100 credit score for World Entry or $85 credit score for TSA Precheck utility payment.
7. [$179 Clear credit]. It’s the identical quantity because the Clear annual membership payment. It’s helpful should you fly lots, however the worth will not be a lot.
8. [$240 Digital Entertainment credit]. Stand up to $20 monthly, solely works at: Hulu, Disney+, and a number of different particular retailers. The worth is basically 0.
9. [$300 Equinox credit]. Stand up to $300 per yr on Equinox membership charges. The worth is basically 0.

Disadvantages

1. $695 annual payment, NOT waived for the primary yr. Notice that annual payment doesn’t depend in the direction of the minimal spending requirement (and that is true for all bank cards)! 

Licensed Customers

There are two sorts of Licensed Consumer (AU) playing cards: platinum AU card, and “silver” AU card. AU playing cards should not have separate credit.

1. Platinum AU playing cards have annual payment: $195 per card from the second. [Morgan Stanley version only] The primary platinum AU card is free. Platinum AU card holders have separated PPS card, have entry to all of the airport lounges talked about above, get complimentary lodge standing, and may use FHR advantages.
2. “Silver” AU playing cards haven’t any annual payment, however there’s no further advantages.

Introduction to MR Factors

• You may earn MR factors with AmEx ED, AmEx EDP, AmEx Inexperienced, AmEx Gold, AmEx Platinum, AmEx Platinum for Schwab, AmEx Platinum for Morgan Stanley, AmEx Blue Enterprise Plus, AmEx Enterprise Inexperienced, AmEx Enterprise Gold, AmEx Enterprise Platinum, and many others.
• The MR factors you earn on completely different MR playing cards will mechanically go to the identical MR account.
• MR factors by no means expire. You’ll not lose the MR factors on one card should you shut the account, however you’ll lose the entire MR factors should you shut the entire MR playing cards. In an effort to keep away from dropping your MR factors, we advocate to maintain the no annual payment AmEx ED.
• You probably have any of the MR playing cards, MR factors could be transferred to some airline miles. One of the vital frequent and finest method to make use of MR factors is to 1:1 switch them to All Nippon Airways (ANA, NH) miles (Star Alliance). Different good choices are: Air Canada (AC) (Star Alliance), Delta Air Traces (DL) (SkyTeam), British Airways (BA) (Oneworld), Asia Miles (Oneworld), Singapore Airways (SQ) (Star Alliance), Flying Blue (SkyTeam), Virgin Atlantic (VS) (Non-alliance), and many others. For those who use MR on this method, the worth is about 1.6 cents/level.
• You probably have any of the MR playing cards, you may redeem your MR factors at a hard and fast charge about 1 cent/level in the direction of air tickets on AmEx journey portal.
• You probably have AmEx Platinum for Schwab, you may redeem your MR factors at a hard and fast charge 1.1 cents/level in the direction of money. For those who do not need to spend time finding out airline miles, it is a fairly good solution to money out the factors. If you do not have this card, you may solely redeem your MR factors at a hard and fast charge 0.6 cents/level in the direction of money.
• In abstract, we estimate that MR factors are value about 1.6 cents/level.
• For extra details about MR factors, see Maximize the Credit score Card Factors Values (overview), and Introduction to MR: Earn and Introduction to MR: Use (very detailed).

Advisable Utility Time

1. [Once per lifetime language] You may solely get the welcome bonus as soon as in a lifetime, so you should definitely apply when the historic highest provide seems.
2. [New] [Platinum flavors language] Completely different flavors of AmEx Platinum playing cards now have an effect on one another when it comes to welcome presents. You may solely get one welcome provide amongst them.
3. [New] [Family language] AmEx begins so as to add household language: larger annual charges playing cards will have an effect on the welcome presents on decrease annual payment ones in the identical household sequence. Particularly, having held Platinum makes you ineligible for the welcome provide of Gold. So if you would like each, you need to apply for Gold first.
4. AmEx doesn’t care in regards to the variety of exhausting pulls.
5. You may attempt to apply for it when you have got a credit score historical past of 6 months.
6. It’s essential to wait not less than 90 days between the appliance for various flavors of AmEx Platinum playing cards, in any other case the appliance will probably be cancelled.

Abstract

Essentially the most particular function of this model of the AmEx Platinum card is that, the primary licensed person is free. For those who determine to maintain an AmEx Platinum card for a very long time, then this model is appropriate to present your partner a licensed person card to take pleasure in the advantages.

The 100k+10x welcome provide is kind of good.

You may earn 5x MR factors on air tickets with this card, and it’s the finest incomes charge throughout all playing cards. Additionally this card now comes with a visit delay insurance coverage which could be triggered by a 6+hrs delay, so it has turn into the very best card to purchase airline tickets. There are additionally loads of different advantages comparable to extra lounge entry than different premium playing cards, the FHR, and many others. For those who can reap the benefits of these advantages, this card could also be a keeper.

The annual payment is now elevated to $695, and on the identical time there are much more credit. Folks joke about it and name it a “coupon e book card”. These credit can in some way offset a part of the annual payment: the $200 air incidental credit score can be utilized by some strategies, so we worth it at 70% of its face worth and that’s about $140; the $200 FHR/THC lodge credit score could be helpful should you discover some motels with a less expensive worth, so we worth it at 70% of its face worth and that’s about $140; the $200 Uber credit score is distributed and expires each month, so we additionally use 70% of its face worth which is about $140; the $100 Saks credit score is value about $70 if additionally valued at 70% face worth. The worth of the opposite credit are mainly 0. Contemplating the annual payment is so excessive now, it’s exhausting to get constructive worth should you don’t exit and journey lots.

If in the future you don’t need to preserve this card any extra, however nonetheless need your remaining MR factors, you may apply for the AmEx EveryDay (ED) (no annual payment) to maintain the MR factors and use them sooner or later.

To Do Checklist After You Get The Card

1. Enroll in Airline Incidental Payment Credit score profit and select a service. It’s essential to enroll and select a service prior to creating a reimbursable buy.
2. Add your card to Uber or UberEats.
3. Enroll in Saks Credit score profit.
4. Enroll in Precedence Go Choose (PPS) lounge profit.
5. Enroll in Marriott Bonvoy Gold standing.
6. Enroll in Hilton Gold standing.
7. Enroll for Avis, Hertz and NationwideAutomobile Rental standing privileges.
8. Enroll in Walmart+ membership.
9. Apply for World Entry ($100 reimbursement) or TSA PreCheck ($85 reimbursement).

Associated Credit score Playing cards

See this put up for the comparability of advantages.

Advisable Downgrade Choices

• You can’t downgrade this card to any card, so I recommend you shut it whenever you don’t need to preserve it any longer.

After Making use of

• Click on right here to verify AmEx utility standing.
• AmEx reconsideration backdoor quantity: 877-399-3083. The “actual” backdoor variety of Amex is properly protected. Completely different from Chase, the representatives from this AmEx reconsideration backdoor quantity solely have the appropriate that can assist you submit requests.

Historic Presents Chart

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