Card Benefits
Platinum (Morgan Stanley) credit card
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Platinum (Morgan Stanley)

$695 annual fee
Up to $3,162 in tracked credits
Visit issuer site

27 benefits

$400 Resy Credit

$100

Get up to $100 in statement credits each quarter when you use your Platinum Card to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants.

dining
Current QuarterEnrollment required

$300 Digital Entertainment Credit

$25

Get up to $25 back each month on select digital subscriptions after you pay with your Platinum Card.

entertainment
Current MonthEnrollment required

Premium Car Rental Protection

Provides primary coverage for Damage to or Theft of a rental vehicle and Accidental Death or Dismemberment coverage when you enroll and pay for rental charges with your card.

insurance
Current PeriodEnrollment required

$300 Equinox Credit

$300

Get up to $300 back each calendar year after you pay with your Platinum Card for an Equinox club membership or Equinox+ digital subscription.

lifestyle
Current YearEnrollment required

$300 SoulCycle At-Home Bike Credit

$300

Get a $300 statement credit after you use your Platinum Card to purchase a SoulCycle at-home bike.

lifestyle
Current Period

5x Membership Rewards Points

Earn 5x Membership Rewards points on prepaid hotels booked through American Express Travel. You also earn 5x points for flights booked directly with airlines or through American Express Travel, on up to $500,000 on these purchases per calendar year.

rewards
Current Period

Cell Phone Protection

$800

Reimbursement for repair or replacement of damaged or stolen cell phones, up to $800 per claim and 2 claims per 12-month period, with a $50 deductible.

security
Current Period

$200 Oura Ring Credit

$200

Receive up to $200 in statement credits when you use your Card to purchase an Oura Ring at ouraring.com each calendar year.

shopping
Current YearEnrollment required

$300 lululemon Credit

$75

Get up to $75 back each quarter for eligible purchases at lululemon in the U.S. when you pay with your Platinum Card.

shopping
Current QuarterEnrollment required

Walmart+ Monthly Membership Credit

$13

Receive a statement credit for one monthly Walmart+ membership after you pay for Walmart+ each month with your Platinum Card.

shopping
Current Month

Purchase Protection

Protects eligible purchases against theft, accidental damage, or loss for up to 90 days from the date of purchase, up to $10,000 per item and $50,000 per calendar year.

shopping
Current Period

Return Protection

$300

Return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase, up to $300 per item and $1,000 per calendar year.

shopping
Current Period

Extended Warranty

Adds up to one extra year to the original manufacturer's warranty on warranties of 5 years or less.

shopping
Current Period

Delta Sky Club Access

Platinum Card Members receive access to the Delta Sky Club when they fly an eligible Delta flight.

travel
Current Period

The American Express Global Lounge Collection

Eligible Card Members get access to 1,550+ airport lounges in over 500 airports around the world.

travel
Current PeriodEnrollment required

$120 Uber One Credit

$10

Receive up to $120 in statement credits each calendar year after you purchase an auto-renewing Uber One membership with your Platinum Card.

travel
Current MonthEnrollment required

$200 Airline Fee Credit

$200

Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card Account.

travel
Current YearEnrollment required

$200 Uber Cash

$200

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

travel
Current YearEnrollment required

$219 CLEAR+ Credit

$219

Receive up to $219 in statement credits per calendar year after you sign up and pay for a CLEAR+ Membership with your Platinum Card.

travel
Current Year

$600 Hotel Credit

$300

Get up to $300 back semi-annually on select prepaid hotel bookings through Amex Travel using the Platinum Card.

travel
Current Semi-Annual Period

Fee Credit for Global Entry or TSA PreCheck

$120

Receive either a $120 statement credit for a Global Entry application fee or a statement credit up to $85 for a TSA PreCheck application fee every 4 years.

travel
Current Period

Baggage Insurance Plan

Can provide coverage for lost, damaged or stolen Baggage when traveling on a Common Carrier Vehicle when the Entire Fare has been charged to your Eligible Card.

travel
Current Period

Trip Cancellation and Interruption Insurance

If you purchase a round-trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, we may be able to help.

travel
Current Period

Trip Delay Insurance

If you purchase a round-trip entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, we may be able to help.

travel
Current Period

Hilton Honors Gold Status

Enjoy benefits at hotels and resorts within the Hilton Portfolio and earn reward stays faster with Hilton Honors Bonus Points.

travel
Current PeriodEnrollment required

Leaders Club Sterling Status

Enjoy complimentary Leaders Club Sterling Status from The Leading Hotels of the World with your Platinum Card.

travel
Current PeriodEnrollment required

Marriott Bonvoy Gold Elite Status

Receive Marriott Bonvoy Gold Elite Status without meeting any stay requirements.

travel
Current PeriodEnrollment required

Benefit data is kept current by a weekly scrape of American Express's own page — not affiliated with or endorsed by American Express.

Platinum (Morgan Stanley) (American Express) Benefits · Card Benefits