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American Express Morgan Stanley Credit Card Reviews & Info

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Contact Information

  • Telephone: 1-800-528-4800
  • E-Mail: No email address available
  • Mailing Address: American Express Credit Bureau Unit, P.O. Box 981537, El Paso, TX 79998-1537

The Morgan Stanley Credit Card issued by the American Express Bank is available to American Express clients who already own an eligible brokerage account. The card offers double membership reward points for each dollar spent on airfare, US restaurants, US department stores and car rentals as well as one reward point on other eligible purchases.

Card Information


2x points for each dollar spent on airfare purchased directly from airlines.
2x points for each dollar spent on purchases at US restaurants.
2x points for each dollar spent on purchases at selected US department stores.
2x points for each dollar spent on car rentals purchased directly from select car rental companies.
1x points for all other eligible purchases.

Early Spend Bonus

10, 000 membership reward points after spending $1, 000 in purchases during the first three months.

Annual Fee


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Pros and Cons


+ No annual fee
+ Point rewards
+ Signup bonus


- High cash advance APR
- High late payment fee
- Higher point rewards only for selected products

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4 Reviews

American Express Morgan Stanley Credit Card Overall rating: ★★★★☆ 4.2 based on 4 reviews
5 1

Good card

The new Morgan Stanley Credit Card fits quite well my needs. I had some problems with the customer service though and for this I give it 3 stars only.
- Theo

Overall a good option

The MS credit card is nice and easy regarding its rewards and account management. The only bad side is the high interest fees on advances but besides this I really like this card.
- Bernie

Great rewards

This is a great addition to my brokerage account. This card has good rewards and an amazing initial bonus. Plus, American Express finally decided to cancel the annual fee for it and this makes it a perfect primary card.
- Elise

High interest, good card

The Morgan Express Stanley Credit card is a great choice for anyone in need of a card with great benefits and good options. You will earn double points on things like flying, going out to eat, going to the store and making purchases, and even with select car rental companies. If it doesn’t fall in to one of the categories mentioned above, you can still earn single the amount of points for rewards. As a sign on bonus, they’re offering ten-thousand reward points if you can spend at least a thousand dollars in the first three months of getting the card. No annual fees are associated with this card which makes it a lot more appealing in comparison to other credit card companies that do charge. However, the interest rate on this card is high for cash advances. I would suggest not doing a cash advance loan on this card unless you’re prepared to pay close to almost thirty-percent. Both the cash advance option on the card as well as the actual interest that accumulates on purchases are both based on a prime rate. Late fees are typical of this card for most other credit cards out there as well. Overall, definitely not a bad card and if you find yourself eating out or traveling a good bit, this is probably the best card option for you.
- Scarlett
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