American Express Platinum (Morgan Stanley) or American Express Platinum (Charles Schwab)?

Both cards return similar value over their fees. The right pick depends on which categories match your spending.

American Express Platinum (Morgan Stanley)American Express · $895 fee · 11 credits

American Express Platinum (Charles Schwab)American Express · $895 fee · 11 credits

NET VALUE+$2,079$2,974 credits

CATEGORY	PLATINUM (MORGAN STANLEY)	PLATINUM (CHARLES SCHWAB)
🌎Travel	$1,019	$1,019
✨Lifestyle	$955	$955
🍽️Food & Dining	$580	$580
🎭Entertainment & Media	$300	$300
🚗Transportation	$300	$300
Total credits	$2,974	$2,974
Annual fee	$895	$895
Net value	+$2,079	+$2,079

AMERICAN EXPRESSAmerican Express Platinum (Morgan Stanley)

FEE$895

CREDITS$2,974

NET+$2,079

Category wins0 of 5

AMERICAN EXPRESSAmerican Express Platinum (Charles Schwab)

FEE$895

CREDITS$2,974

NET+$2,079

Category wins0 of 5

Where to use each card

AMEX PLATINUM (MORGAN STANLEY)

🍽️

Resy Credit Restaurants10830 LOCATIONS

Browse →

🏨

Amex FHR + The Hotel Collection3428 LOCATIONS

Browse →

🛫

Airport Lounges48 LOCATIONS

Browse →

AMEX PLATINUM (CHARLES SCHWAB)

🍽️

Resy Credit Restaurants10830 LOCATIONS

Browse →

🏨

Amex FHR + The Hotel Collection3428 LOCATIONS

Browse →

🛫

Airport Lounges48 LOCATIONS

Browse →

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Frequently asked questions

Which is better, American Express Platinum (Morgan Stanley) or American Express Platinum (Charles Schwab)?

Both cards offer similar net value ($2,079 vs $2,079). The best choice depends on your spending habits and which benefits you'll actually use.

What's the difference between American Express Platinum (Morgan Stanley) and American Express Platinum (Charles Schwab)?

The key differences: American Express Platinum (Charles Schwab) has a $895 annual fee and $2,974 in annual benefits, while American Express Platinum (Morgan Stanley) has a $895 annual fee and $2,974 in annual benefits.