American Express Morgan Stanley Platinum 125,000 Points

Update 5/16/24: 125k offer is back.

Update 11/8/23: Offer is slated to end at midnight ET tonight

Update 9/28/23: The 125k offer has come back again now after many months of being lower. (ht USCCG)

The Offer

Direct link to offer

• American Express is offering 125,000 points after $6,000 in purchases within the first six months of being a cardmember

Card Details

• Annual fee of $695 is not waived the first year
  • Morgan Stanley version of the Platinum card offers one free Platinum authorized user, then $195 for each one thereafter
  • Authorized Gold cards are free
  • Full details here
• Card earns at the following rates:
  • 5x points per $1 spent on purchases made with airlines or with American Express Travel
  • 5x points per $1 spent on hotel & airline bookings made directly from the American Express travel website
  • 1x points on all other purchases
• $200 airline incidental credit per calendar year
• $200 Uber credit ($15 per month and additional $20 in December)
• Lounge access:
  • Centurion lounge access
  • International American Express lounge access
  • Delta SkyClub lounge access
  • Priority pass select membership
  • Airspace lounge access
• $240 digital entertainment credit. This is a credit of $20 per month and can be used on Peacock, Audible, SiriusXM and The New York Times.
• $200 hotel credit. This can be used on select prepaid bookings (Fine Hotels + Resorts^® and The Hotel Collection) when using American Express Travel
• $179 Clear credit
• $300 Equinox credit. This is a $25 credit each month
• Global Dining Access by Resy
• The Global Lounge Collection

Our Verdict

You need to be a Morgan Stanley customer to be eligible for this card and you can no longer use the access investing work around unfortunately. It’s rare we see increased offers on these co-branded versions of the Platinum card, so it’s worth signing up if you are eligible and can make use of all the various credits. We will add this to our list of the best credit card bonuses.

Hat tip to FM