Blue Cash Preferred (Morgan Stanley)

The annual fee is waived for the first year of card membership, making the effective first-year cost $0.

Customers who hold a qualifying Morgan Stanley brokerage or investment account may have the card's annual fee waived each year as a relationship benefit.

When the cardholder pays for an eligible rental car entirely with the card and declines the rental company's collision damage waiver, they receive secondary coverage for damage or theft of the rental vehicle.

The card extends the original manufacturer's warranty by up to one additional year on eligible purchases with warranties of five years or less.

Cardholders traveling more than 100 miles from home have access to a 24/7 hotline for emergency coordination services such as medical, legal, and financial referrals. Cardholder is responsible for third-party costs.

If a merchant won't accept a return within a set period, American Express may refund the purchase price (up to a per-item and annual limit) for eligible items purchased with the card.

Network-wide rotating statement-credit and bonus offers from travel, dining and retail partners.

Eligible purchases made with the card are covered against accidental damage or theft for a limited period from the date of purchase, up to a per-incident and annual maximum.

Cardholders may receive up to $10 per month (up to $120 per year) as a statement credit on eligible Equinox+ membership or club fees charged to the card.

Cardholders can receive up to $7 per month (up to $84 per year) as a statement credit when they pay for an eligible Disney Bundle subscription with the card. Enrollment may be required.

$95 Annual Fee