American Express Platinum Card for Morgan Stanley

Centurion Lounges: Unlimited cardholder visits; as of July 8 2026 access window tightened to within 5 hours of flight, 1 complimentary guest per visit (2 with $75K annual spend), additional guests $50/adult or $30/child ages 2-17. Priority Pass Select: Unlimited cardholder visits at 1,550+ lounges; guests $35/person. Delta Sky Club: 10 visits/Medallion Year on same-day Delta flights; guests $50/person; unlimited with $75K annual spend. Escape Lounges: Unlimited U.S. access. Plaza Premium: Unlimited + 1 complimentary guest. Hotel Status: Marriott Gold Elite (auto), Hilton Gold (auto), Leading Hotels Sterling (auto). Confirmed identical to the base Platinum Card per Schwab/Morgan Stanley issuer pages.

Up to $10,000 per covered trip; maximum $20,000 per eligible card account per 12-month period. Covered reasons include accidental bodily injury, illness, severe weather, court subpoena, jury duty, terrorist actions, and quarantines. Full trip cost must be charged to the card.

Up to $500 per covered trip for delays of more than 6 hours. Maximum 2 covered trips per 12-month period. Covers reasonable additional expenses (meals, lodging, toiletries, etc.).

[UNCONFIRMED - Guide to Benefits required. Baggage delay (separate from lost/stolen baggage) coverage terms not publicly confirmed for this card.]

Up to $500,000 for accidental death or dismemberment for the cardholder and immediate family members while traveling on a common carrier when the ticket is purchased with the card.

Premium Global Assist Hotline: If emergency medical transportation is approved and coordinated by the Premium Global Assist Hotline, transportation may be provided at no cost to the cardholder. If arranged independently (not through Amex's hotline), cardholder is responsible for all third-party costs. No stated dollar cap when arranged through the Hotline. Available when traveling more than 100 miles from home.

Purchase Protection: Covers eligible purchases against accidental damage or theft for 90 days from purchase date. Up to $10,000 per covered incident; up to $50,000 per account per year.

Extended Warranty: Adds 1 additional year to the original manufacturer's warranty for eligible items with warranties of 5 years or less. Coverage up to $10,000 per item; up to $50,000 per account per year.

Return Protection: Up to $300 per eligible item; up to $1,000 per account per year. Covers eligible items for 90 days from purchase date if the merchant won't accept a return.

Up to $800 per claim; $50 deductible per claim; maximum 2 claims per eligible card account per 12-month period. Covers theft and accidental damage (including cracked screens). Must pay monthly cell phone bill with this card. Does not cover lost phones, cosmetic damage, or normal wear and tear.

Annual Engagement Bonus: up to $895/yr deposited into a Morgan Stanley Platinum CashPlus account. Narrow eligibility -- Basic Card Members approved on or after 9/18/2025 only, and requires an eligible CashPlus account. Unique to this card -- not a universal, guaranteed credit (excluded from this card's Cards DB "Credit Value" predictable-credits total for that reason).

5x Membership Rewards points on flights booked directly with airlines or through AmexTravel.com (up to $500,000 per calendar year in combined purchases, then 1x); 5x on prepaid hotels booked through AmexTravel.com; 1x on all other eligible purchases.

80,000 Membership Rewards points after spending $12,000 in eligible purchases within the first 6 months (current public offer as of 10/26/2026). Ran an elevated 150,000-point offer (same $12,000/6mo spend) that expired 7/8/2026, and a 125,000-point offer (on $8,000/6mo spend) at various points during 2023-2025. Requires a Morgan Stanley or E*TRADE account to apply -- Amex family-language restrictions may apply to past Platinum/Schwab Platinum holders.

Same Membership Rewards network as the base Platinum Card. Airlines (1:1 unless noted): Aer Lingus, Air Canada Aeroplan, Air France-KLM Flying Blue, ANA, Avianca LifeMiles, British Airways, Cathay Pacific (5:4), Delta SkyMiles, Emirates (5:4), Etihad Guest (ending June 30 2026), Iberia, JetBlue (1:0.8), Qantas, Qatar Airways, Singapore KrisFlyer, Virgin Atlantic. Aeromexico: 1:1.6. Hotels: Choice Privileges (1:1), Hilton Honors (1:2), Marriott Bonvoy (1:1).

Baggage Insurance Plan: Up to $3,000 per covered person per single trip. Carry-on: up to $3,000/person/trip; checked: up to $2,000/person/trip. Specialty/high-value items: up to $1,000/person/trip (NY residents: $2,000). Coverage applies when the full ticket is charged to the card.

None by default. Rental car coverage is secondary unless Premium Protection is purchased.

Car Rental Loss and Damage Insurance: Secondary coverage up to $75,000. Optional Premium Protection (primary, no deductible) available at $12.25-$24.95 per rental period. Complimentary rental status with National Emerald Club Executive, Avis Preferred, and Hertz President's Circle.

The first Additional Platinum Card is $0/year; each one after that is $195/year. Companion Platinum Cards (if issued) carry no annual fee. Each authorized/additional user receives full lounge access benefits, hotel status, and other Platinum perks independently. Source: US Credit Card Guide quoting Amex's Morgan Stanley apply page, 2026.7 update.