Platinum (Morgan Stanley)

Coverage of up to $10,000 per covered trip (up to $20,000 per eligible card account per 12 months) if a trip is cancelled or interrupted due to a covered reason.

Coverage for lost, damaged, or stolen baggage when the entire fare is charged to the card: up to $3,000 for carry-on baggage and up to $2,000 for checked baggage.

Morgan Stanley clients who hold a qualifying Morgan Stanley brokerage account may receive a rebate or waiver of the $695 annual fee on the primary Platinum card.

Reimbursement of up to $500 per covered trip for reasonable additional expenses (meals, lodging) when a round-trip is delayed more than 6 hours.

Up to $200 in statement credits per calendar year for incidental fees charged by one selected qualifying airline, such as checked bag fees or in-flight purchases.

Up to $200 in statement credits annually for prepaid bookings at Fine Hotels + Resorts or The Hotel Collection properties made through American Express Travel.

Morgan Stanley Platinum cardholders may be eligible for one additional Platinum card for an authorized user at no additional annual fee (normally $195 per authorized user).

Statement credit of up to $100 for Global Entry or up to $85 for TSA PreCheck application fees, once every 4.5 years.

Complimentary Hilton Honors Gold status, providing benefits such as room upgrades, daily food and beverage credit, and 80% bonus points on stays.

Complimentary access to Delta Sky Club lounges when flying on a same-day Delta-operated flight.

Access to discounted first-class, business-class, and premium economy tickets on select international airlines when booked through American Express Travel.

Complimentary access to Lufthansa Business and Senator lounges when flying Lufthansa on a same-day international departing flight in a qualifying cabin.

Complimentary Marriott Bonvoy Gold Elite status, providing benefits such as room upgrades (when available), 25% bonus points on stays, and late checkout.

Cardholders with a Morgan Stanley Access Investing account may receive a statement credit or management fee offset when holding the card alongside that investment account.

Access to the Amex Fine Hotels + Resorts program, offering room upgrades, daily breakfast for two, guaranteed 4pm late checkout, noon check-in when available, complimentary Wi-Fi, and a unique property amenity.

24/7 access to a dedicated Platinum concierge team that can assist with travel bookings, dining reservations, event tickets, and other personal requests.

Complimentary Priority Pass Select membership granting unlimited access to 1,300+ airport lounges worldwide for the primary cardmember.

Complimentary access to American Express Centurion Lounges for the primary cardmember and up to two guests (guest fees may apply under certain conditions).

Secondary coverage for damage to or theft of a rental car when the full rental cost is charged to the card and the rental company's own coverage is declined.

Complimentary elite status with select car rental companies including Hertz Gold Plus Rewards, Avis Preferred Plus, and National Car Rental Emerald Club Executive.

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

24/7 emergency coordination for medical, legal, financial or travel help when 100+ miles from home.

Coverage for eligible new purchases against accidental damage or theft for up to 90 days from the purchase date, up to $10,000 per claim and $50,000 per cardmember year.

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

Up to $300 in statement credits per year ($25 per month) toward eligible Equinox gym memberships or the Equinox+ app.

Up to $240 in statement credits per year ($20 per month) for eligible digital entertainment subscriptions including Disney+, Hulu, ESPN+, Peacock, NYT, and others.

Up to $200 in Uber Cash annually ($15 per month, plus a $20 bonus in December) for use with Uber rides or Uber Eats in the US.

Up to $189 in statement credits per year toward a CLEAR Plus membership, which allows expedited biometric security screening at participating US airports and venues.

Monthly statement credit covering the cost of a Walmart+ membership (approximately $12.95/month) when charged to the card.

Up to $100 in statement credits per year for purchases at Saks Fifth Avenue (up to $50 semi-annually: January–June and July–December).

$895 Annual Fee