AMEX No FTF

Morgan Stanley Platinum

American Express

Annual Fee $895

Rewards

Airlines
Points
5x

Earn 5x Membership Rewards points on flights booked directly with airlines or through American Express Travel, on up to $500,000 in purchases per year.

Cap: Per calendar year on flights booked directly with airlines or through American Express Travel
Hotels
Points
5x
AMEX Travel

Earn 5X Membership Rewards points on prepaid hotels booked with American Express Travel

Vacation Rentals
Points
5x
AMEX Travel

Prepaid vacation rental reservations booked through AmexTravel.com.

Car Rentals
Points
2x
AMEX Travel

Prepaid car rentals booked through American Express Travel. Non-prepaid car rentals, ticketing service fees, and other fees are excluded.

Cruise Lines
Points
2x
AMEX Travel

Eligible when booked through Amex Travel (AmexTravel.com or by phone); payments made directly to a cruise line do not qualify. Sailings of 5 or more nights on participating cruise lines may also receive Cruise Privileges Program benefits such as onboard credit.

Perks & Credits

  • $300
    Semi-annual Fine Hotels + Resorts / Hotel Collection / Airbnb Luxe lodging credit (2-night minimum for Hotel Collection and Airbnb Luxe; FHR 2-night minimum from January 1, 2027)
  • $300
    Annual Equinox credit
  • $250
    Annual Airbnb Experiences credit (unlocks after booking a prepaid Airbnb Luxe stay through Amex Travel; for experiences purchased directly with Airbnb through the rest of that calendar year)
  • $219
    Annual CLEAR Plus membership credit
  • $200
    Annual Airline fee credit
  • $200
    Annual Oura Ring credit
  • $120
    Annual Uber One membership credit
  • $120
    Every 48 months Global Entry or TSA PreCheck application fee credit
  • $100
    Quarterly Resy credit
  • $75
    Quarterly Lululemon credit
  • $25
    Monthly Digital entertainment credit
  • $20
    Monthly Uber December bonus
  • $15
    Monthly Uber credit
  • $12.95
    Monthly Walmart+ membership credit

Card Details

Card Network
AMEX
Annual Fee
$895
Foreign Transaction Fee
None

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