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The Morgan Stanley Credit Card from American Express

The Morgan Stanley Credit Card from American Express

 

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Over the Past 60 Days!

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  • APR 15.49%
  • Balance Transfer APR 15.49%
  • Cash Advance APR 25.49%
  • Penalty APR 29.49%
  • Annual Fee $0
  • Late Payment Fee $37
  • Cash Advance Fee $5 or 3% of value, whichever is greater
  • Returned Payment Fee $37
  • Balance Transfer Fee $5 or 3% of value, whichever is greater
  • Foreign Exchange Fee 2.7% of each transaction after conversion to USD
  • Signup Bonus Receive 10,000 Membership Rewards points after you spend $1000 in purchases on your card in the first three months of membership

Highlights

  • Click "APPLY NOW" to apply online
  • Receive 2x Membership Reward Points for airfares purchased directly from airlines
  • Receive 2x Membership Reward Points for purchases at US restaurants
  • Receive 2x Membership Reward Points for purchases at select US department stores
  • Receive 2x Membership Reward Points for car rentals purchased directly from select car rental companies
  • Receive 1x Membership Reward Points for all other purchases
  • Receive an Anniversary Spend Award of $100 from Morgan Stanley after you spend $25,000 in purchases on your card each year
  • Clients must have an eligible Morgan Stanley brokerage account to apply for this card

Expert Reviews

From the CompareCards.com Editorial Team

This card is offered to account holders at Morgan Stanley, and it offers rewards to cardholders plus sign-up and yearly loyalty bonuses.

Expert Reviews of the The Morgan Stanley Credit Card from American Express

  • 3.0

    Regular APR

  • 0.0

    Intro APR

  • 0.0

    Fees

  • 3.0

    Benefits

  • star rating 3.0/5

    Overall Rating

The Bottom Line

The rewards are solid if you spend in specific categories like travel and restaurants and if you spend enough to qualify for the bonuses. But there are other generous rewards cards on the market that are much less restrictive.

The Good

There is no annual fee. 
 
You can receive 10,000 Membership Rewards points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.
 
Receive an Anniversary Spend Award of $100 from Morgan Stanley after you spend $25,000 in purchases on your Card each year by your membership anniversary date.
 
Earn two points per dollar spent for airfare purchased directly from airlines, at U.S. restaurants, and at selected department stores and rental car agencies. Earn one point per dollar spend everywhere else.
 
The APR for purchases and balances transfers is 15.49%, which is decent.

The Not So Good

The APR for cash advances is 25.49%.  There is a surcharge for balance transfers and cash advances of eiher $5 or 3% of the amount of each transfer, whichever is greater, and there is a 2.7% foreign transaction fee. 
 
The card is only available to you if you have an  eligible brokerage account with Morgan Stanley.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

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