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American Express Platinum (Morgan Stanley)

AMERICAN EXPRESSPERSONAL

American Express Platinum (Morgan Stanley)

11 credits worth $2,974 at face value against an $895 annual fee. 7 of them pay nothing until you enroll.

UPDATED OCT 202611 CREDITS TRACKED7 NEED ENROLLMENT

ANNUAL FEE

$895/ year

Credits at face value$2,974

Break-even30%

Track these credits free →

Open the full American Express Platinum (Morgan Stanley) calculator →

All 11 credits, by how often they reset

Monthly

3 CREDITS · $635 / YR

12 × $15 = $180

MERCHANT CREDITAUTO

Get $15 Uber Cash each month plus an additional $20 Uber Cash in December when you add your eligible Platinum Card as a payment method in your Uber account.

Digital Entertainment Credit$25

12 × $25 = $300

This $25/month credit ($300/year) fully covers most streaming or news subscriptions — Disney+, Hulu, ESPN+, Peacock, Paramount+, YouTube Premium, The New York Times, or The Wall Street Journal. One subscription uses it entirely; add a second and you're covered twice over.

Walmart+ Subscription Credit$13

12 × $13 = $155

Up to $12.95 plus applicable taxes back each month when you pay for a monthly Walmart+ membership with your card. Plus Ups are excluded. Enrollment required.

Quarterly

2 CREDITS · $700 / YR

Lululemon Credit$75

4 × $75 = $300

At $75 per quarter ($300/year), this credit covers a pair of leggings or two to three athletic tops every three months. If you shop lululemon at all, you'll use every dollar. Eligible purchases must be made directly at lululemon stores or lululemon.com.

Resy Dining Credit$100

4 × $100 = $400

Up to $100 in statement credits each quarter for a total of up to $400 per calendar year on eligible Resy purchases at participating restaurants.

Semi-annual

1 CREDIT · $600 / YR

Lodging Credit$300

2 × $300 = $600

Up to $300 in statement credits semi-annually (January to June, and July to December) for prepaid Fine Hotels + Resorts®, The Hotel Collection and Airbnb Luxe bookings made through American Express Travel. The Hotel Collection and Airbnb Luxe need at least two nights. Starting January 1, 2027, Fine Hotels + Resorts bookings also need at least two nights.

Once a calendar year

5 CREDITS · $1,039 / YR

Airline Fee Credit$200

Enrollment required. Up to $200 in statement credits per calendar year for incidental airline fees charged by your selected qualifying airline. Eligible fees include baggage fees, flight-change fees, in-flight food and beverage purchases, and airport lounge day passes.

Uber One Membership Credit$120

Up to $120 in statement credits per calendar year on Uber One membership fees charged to an eligible Card. Valid on both monthly and annual Uber One membership purchases.

Equinox Credit$300

This $300 annual credit covers 1.5–3 months of an Equinox gym membership (typically $100–200/month) — or 7+ months of the Equinox+ digital app at $40/month. If you already use Equinox, this is automatic savings. Eligible for U.S. Equinox memberships and Equinox+ subscriptions across all cards on the account.

Oura Ring Credit$200

Up to $200 in statement credits each calendar year on eligible purchases. Eligible purchases include Oura Ring purchases made online at U.S. website ouraring.com.

Clear Plus Credit$219

Up to $219 in statement credits per calendar year when you pay for a CLEAR+ membership with your eligible card. Enrollment required. Membership renews automatically.

THE PART PEOPLE MISS7 of 11 credits pay nothing until you enroll

That’s $1,820 of face value sitting behind a form. Enrollment is one-time per credit and never applies retroactively.

Resy Dining Credit$400

Digital Entertainment Credit$300

Lululemon Credit$300

Equinox Credit$300

Airline Fee Credit$200

Oura Ring Credit$200

Uber One Membership Credit$120

All of them live in the Benefits section of your issuer’s website.

Recent updates

REMOVED

Jul 1, 2026

Amex removed the Saks Fifth Avenue credit from the Platinum Card (Morgan Stanley) effective July 1, 2026.

Saks Fifth Avenue Credit

Where to use this card

🍽️Resy Credit Restaurants10830 LOCATIONSFind 10,000+ US restaurants where your Amex Resy Credit works. Platinum cardholders earn up to $400/year and Gold cardholders up to $100/year on eligible Resy purchases.Browse map →🏨Amex FHR + The Hotel Collection3428 LOCATIONSAll 1,900+ Fine Hotels + Resorts and 1,400+ Hotel Collection properties on one map. Both take the Amex Platinum $600/year hotel credit. FHR adds free breakfast, a $100 property credit, and 4pm checkout. THC gives the $100 credit on 2-night stays.Browse map →🛫Airport Lounges48 LOCATIONSEvery Centurion Lounge, Chase Sapphire Lounge, and Capital One Lounge, with terminal and hours. See which airports your Amex Platinum, Sapphire Reserve, or Venture X gets you into.Browse map →

How it compares

MAPSWhere these credits workOur own restaurant list, searchable by city.Open the map →

Frequently asked questions

What is the American Express Platinum (Morgan Stanley) annual fee?

The American Express Platinum (Morgan Stanley) has an annual fee of $895. This is a personal credit card.

Is the American Express Platinum (Morgan Stanley) worth it?

The American Express Platinum (Morgan Stanley) offers $2,974 in annual benefits with a $895 annual fee, for a net value of $2,079. It can be worth it if you use the key benefits like Lodging Credit, Resy Dining Credit, Digital Entertainment Credit.

What benefits does the American Express Platinum (Morgan Stanley) include?

The American Express Platinum (Morgan Stanley) includes 11 benefits, including Lodging Credit ($600/year), Resy Dining Credit ($400/year), Digital Entertainment Credit ($300/year), Lululemon Credit ($300/year), Equinox Credit ($300/year).

How does the Amex Platinum compare to Chase Sapphire Reserve?

The Amex Platinum offers $2,974 in annual benefits with a $895 annual fee. Key differences include airline-focused vs hotel-focused benefits, and different earning structures. Use our comparison tool to see the full breakdown.

What statement credits does the American Express Platinum (Morgan Stanley) have?

The American Express Platinum (Morgan Stanley) includes 11 statement credits: Lodging Credit, Resy Dining Credit, Digital Entertainment Credit, Lululemon Credit, and 7 more. Together they provide $2,974 in annual value.