The perfect companions
for your portfolio.
CRC3492400 05/2024 CP1132739
Apply today.
Contact your Financial Advisor at Morgan Stanley,
visit americanexpress.com/mscards,
or call American Express at 1-877-263-9607.
Scan the QR code with your
smartphone camera or other
code reader.
See Terms and Conditions for rate, fees, and disclosures.
Your elevated
American Express
experience.
Created exclusively for Morgan Stanley clients, these two Cards offer you the service and
rewards American Express is known for, plus added benets and perks designed to help you
get even more out of your portfolio.
With The Platinum Card® from American Express Exclusively for Morgan Stanley, you can
enjoy luxury benets on travel, dining, entertainment, and wellness—plus premium access
to exclusive lounges, events, and more. And with The Morgan Stanley Blue Cash Preferred®
American Express Card, you’ll earn Cash Back on groceries, gas, streaming services, and
other everyday purchases. Cash Back is received in the form of Reward Dollars that can be
redeemed as statement credits.
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With both Cards in your wallet, you’ll be able to maximize your earning potential, all with
the backing of American Express. Morgan Stanley clients with an eligible brokerage account
can apply for The Platinum Card® from American Express Exclusively for Morgan Stanley
and the Morgan Stanley Blue Cash Preferred® Card. E*TRADE clients with an eligible
brokerage account can apply for the Morgan Stanley Blue Cash Preferred® Card.
See Terms and Conditions for rates, fees, and disclosures.
Luxury benets for travel,
entertainment, wellness, and more.
The Platinum Card® from American Express
Exclusively for Morgan Stanley
Morgan Stanley Blue Cash Preferred®
American Express Card
Earn Cash Back
on everyday purchases.
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EXCLUSIVE BENEFITS
for Morgan Stanley Card Members.
INVEST WITH REWARDS
Morgan Stanley Card Members can redeem Membership Rewards®
points for deposits credited to their qualifying Morgan Stanley brokerage
Account. The benet is only available to the Basic Card Member.
5
$100 ANNUAL
STATEMENT CREDIT
Earn a $100 statement credit after
spending $15,000 on eligible purchases
per calendar year on the Morgan Stanley
Blue Cash Preferred Card.
2
See Terms and Conditions for rates, fees, and disclosures.
Share benets of Platinum Card® Membership when you add
an Additional Card to your account. They earn access to select
Platinum benets, you earn rewards. The annual fee for the rst
Additional Platinum Card is $0. The annual fee for each Additional
Platinum Card is $195. There is no annual fee for Companion
Platinum Cards.
4
GET YOUR FIRST ADDITIONAL
PLATINUM CARD FOR NO ANNUAL FEE
$695 ANNUAL ENGAGEMENT BONUS
The Platinum Card® from American Express Exclusively for Morgan
Stanley Members who have a Platinum CashPlus account can receive
a $695 Annual Engagement Bonus into their Platinum CashPlus
account. The deposit is received each year upon Card opening and
upon renewal thereafter. Certain Morgan Stanley Debit Card holders
may also qualify.
3
From grocery shopping to watching your favorite shows, to lling up
the car for a weekend getaway, with the Morgan Stanley Blue Cash
Preferred® Card you earn Cash Back on everyday purchases.
1
Morgan Stanley clients with an eligible brokerage account can
apply for the Platinum Card® from American Express Exclusively for
Morgan Stanley and the Morgan Stanley Blue Cash Preferred® Card.
E*TRADE clients with an eligible brokerage account can apply for the
Morgan Stanley Blue Cash Preferred® Card.
$0 introductory annual fee for the rst year, then $95.
6†
Cash back is received in the form of Reward Dollars that
can be redeemed as a statement credit.
†
See Terms and Conditions for rates, fees, and disclosures.
See Terms and Conditions for rates, fees, and disclosures.
Reward your daily routine
by earning Cash Back.
Exclusive to Morgan Stanley Blue
Cash Preferred
®
American Express
Card Members
$100 ANNUAL STATEMENT CREDIT
Earn a $100 statement credit after spending $15,000 on
eligible purchases per calendar year on the Morgan Stanley
Blue Cash Preferred® Card.
2
MORGAN STANLEY LIMITED-TIME OFFER
OFFER EXPIRES 8/14/2024
EARN A $250 $350
STATEMENT CREDIT
Earn $350 back after you spend $3,000 on
eligible purchases on your new Card within
the rst six months of Card Membership.
You will receive the $350 back in the form
of a statement credit.
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More Cash Back, where it counts.
6% 6% 3% 3%
CASH BACK
at U.S. Supermarkets
on up to $6,000 per year
in purchases (then 1%)
1
CASH BACK
on Select U.S.
Streaming Subscriptions
1
CASH BACK
on Transit (including taxis, rideshare,
parking, tolls, trains, buses, and more)
1
CASH BACK
at U.S. Gas Stations
Plus, earn 1% Cash Back
on other purchases.
1
See Terms and Conditions for rates, fees, and disclosures. Cash back is received in the form of Reward Dollars
that can be redeemed as a statement credit.
Premium perks and bene ts
for wherever life takes you.
The Platinum Card® from American Express Exclusively for Morgan Stanley
opens new doors to luxury travel and elevated everyday experiences. From
morning workouts to extraordinary dining perks, to once-in-a-lifetime trips,
elevate every moment with Platinum’s expansive suite of bene ts.
Only Morgan Stanley clients are eligible to apply for the Platinum Card®
from American Express Exclusively for Morgan Stanley.
Enjoy the exceptional bene ts of the Platinum Card for an
annual fee of $695.
8††
Art x Platinum Design
Choose the Art x Platinum design that speaks to you.
When you apply for a Platinum Card® from American Express
Exclusively for Morgan Stanley, you can choose your Card’s
design: our classic metal or exclusive Art x Platinum designs
by world-renowned artists.
††
See Terms and Conditions for rates, fees, and disclosures.
MORGAN STANLEY LIMITED-TIME OFFER
OFFER EXPIRES 8/14/2024
EARN 80,000 125,000
MEMBERSHIP REWARDS
®
POINTS
after you spend $8,000 on purchases on your new
Card in your rst 6 months of Card Membership.
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5X AMERICAN EXPRESS TRAVEL
Get more for your travels with 5X Membership Rewards® points
on all ights and prepaid hotel bookings through AmexTravel.com.
You earn 5X points on ights purchased directly from airlines or through
American Express Travel® on up to $500,000 on these purchases per
calendar year.
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$200 HOTEL CREDIT
Make your next trip even more memorable with over 2,200 hotels to
choose from, all handpicked with high standards. Save by getting up to
$200 back in statement credits each year on prepaid Fine Hotels + Resorts®
or The Hotel Collection* bookings through American Express Travel when
you pay with your Platinum Card®. Plus, each of these bookings comes with
complimentary benets, such as a room upgrade at check-in, when available,
and a $100 experience credit to use for select activities, such as dining or
spa treatments, which vary by property.
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*The Hotel Collection requires a minimum two-night stay.
$240 DIGITAL ENTERTAINMENT CREDIT
Get up to $20 in statement credits each month when you pay for eligible
purchases with the Platinum Card at participating partners.
Enrollment required.
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UBER CASH, UBER VIP
With your Platinum Card, you'll receive $15 in Uber Cash to use on eligible
orders with Uber Eats and rides with Uber in the U.S. every month plus
a bonus $20 in December,** delivered through an exclusive Uber app
experience. That's up to $200 for Uber orders with Uber Eats and rides with
Uber annually. You'll also become an Uber VIP, where available, without
meeting minimum ride requirements and be matched with top-rated drivers,
so that even a 5-minute trip can be a 5-star experience.
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**Uber Cash and Uber VIP status is only available to Basic Card Member only.
THE GLOBAL LOUNGE COLLECTION
The American Express Global Lounge Collection® can provide an escape at
the airport, with more than 1,400 airport lounges across 650 cities in 140
countries and counting. Enjoy the benets of the Global Lounge Collection,
with a value of over $500 when you enroll into Priority Pass Select and
make multiple visits to select Lufthansa lounges when ying Lufthansa,
Plaza Premium lounges and Escape Lounges each year. The Global Lounge
Collection also includes access to the Centurion Network and Delta Sky
Club, subject to visit limitations. See terms.
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Platinum’s premium perks and luxury benets.
Exclusive for Morgan Stanley
Platinum Card Members
WALMART+ MONTHLY MEMBERSHIP CREDIT
A Walmart+ membership can get you free shipping with no order minimum on
eligible items shipped by Walmart, free same-day delivery of groceries from store
(where available, subject to order minimum), & more. Use your Platinum Card® to
pay for a monthly Walmart+ membership (subject to auto-renewal) and receive
a statement credit for $12.95 (plus applicable taxes) that covers the full cost
(excluding any Plus Up Benets) each month. Free Shipping does not include most
Marketplace items, location and freight surcharges.
15
$200 AIRLINE FEE CREDIT
Select one qualifying airline and then receive up to $200 in statement credits per
calendar year when incidental fees are charged by the airline to your Card or any of
the Additional Cards on your Platinum Card account.
16,****
****American Express relies on airlines to submit the correct information on airline
transactions to identify incidental fee purchases. If you do not see a credit for a qualifying
incidental purchase on your eligible Card after 8 weeks, simply call the number on the
back of your Card. Qualifying airlines are subject to change. See terms & conditions for
more details.
$189 CLEAR® PLUS CREDIT
CLEAR® Plus helps get you to your gate faster by using unique facial attributes to
verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR
Plus Membership* with up to $189 in statement credits per calendar year after you
pay for CLEAR Plus with your Platinum Card® from American Express Exclusively for
Morgan Stanley.(17)
*Excluding any applicable taxes and fees. Subject to auto-renewal.
CONCIERGE
Whether you need help making arrangements for a special dinner, or purchasing
tickets to a sought-after event, the Platinum Card® from American Express
Exclusively for Morgan Stanley Concierge can assist. Simply call the number
on the back of your Card, select or say “Concierge” when prompted.
18
See Terms and Conditions for rates, fees, and disclosures.
See Terms and Conditions for rates, fees, and disclosures.
Share benets of Platinum Card® Membership when you add
an Additional Card to your account. They earn access to select
Platinum benets, you earn rewards. The annual fee for the rst
Additional Platinum Card is $0. The annual fee for each Additional
Platinum Card is $195. There is no annual fee for Companion
Platinum Cards.
4
GET YOUR FIRST ADDITIONAL
PLATINUM CARD FOR NO ANNUAL FEE
Morgan Stanley Card Members can redeem Membership Rewards®
points for deposits credited to their qualifying Morgan Stanley
brokerage Account. The benet is only available to the
Basic Card Member.
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Invest with Rewards
The Platinum Card® from American Express Exclusively for
Morgan Stanley Members who have a Platinum CashPlus
account can receive a $695 Annual Engagement Bonus into
their Platinum CashPlus account. The deposit is received each
year upon Card opening and upon renewal thereafter. Certain
Morgan Stanley Debit Card holders may also qualify.
3
$695 ANNUAL ENGAGEMENT BONUS
Two Cards—both with
the backing you can trust.
See how your two Card options can complement each other, your portfolio, and your life.
The perfect pair.
Add both Cards to pair premium Platinum rewards with the everyday
benets of Blue Cash Preferred. Plus, with both Cards in your wallet,
you can enjoy the perks of the Membership Rewards program and
the simplicity of Cash Back. Cash Back is received in the form of
Reward Dollars that can be redeemed as statement credits.
1
Apply today.
Contact your Financial Advisor at Morgan Stanley,
visit americanexpress.com/mscards,
or call American Express at 1-877-263-9607.
See Terms and Conditions for rates, fees, and disclosures.
TERMS AND CONDITIONS
†
Annual Fee: The introductory annual fee for the Morgan Stanley Blue Cash Preferred® American Express Card will be $0 for the rst year of Card Membership. After that, the annual fee will be $95.
Plan It Fee: 0% introductory plan fee on each purchase moved into a plan during the rst 12 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into
a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors. The APRs do not apply to plan balances. APRs: 0% intro APR on purchases for the rst 12
months of Card Membership from the date of account opening, based on your creditworthiness and other factors. After that, the APR will be a variable rate based on the Prime Rate, currently 19.24%
to 29.99%. 0% intro APR on balance transfers for the rst 12 months of Card Membership from the date of account opening, based on your creditworthiness and other factors. After that, the APR will
be a variable rate based on the Prime Rate, currently 19.24% to 29.99%. The following APRs will vary with the market based on Prime Rate. APR for Purchases: currently 19.24% to 29.99% , based
on your creditworthiness and other factors as determined at the time of account opening. APR on balance transfers requested within 60 days of account opening: currently 19.24% to 29.99%,
based on your creditworthiness and other factors. APR for Cash Advances: 29.99%, Penalty APR: 29.99%. Variable rates are accurate as of 4/12/2024. Variable APRs will not exceed 29.99%. Other
Charges: Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
††
Annual Fee: The annual fee for the Platinum Card® from American Express Exclusively for Morgan Stanley is $695. APRs: The following APR will vary with the market based on Prime Rate. APR
for Cash Advances: 29.99%, Variable rates are accurate as of 4/12/2024. The variable APR will not exceed 29.99%. Other Charges: Cash Advance Fee: Either $10 or 5% of the amount of each cash
advance, whichever is greater. Foreign Transaction Fee: None. Obtain one (1) Additional Platinum Card for no additional annual fee. After the rst Card, each Additional Platinum Card is $195. There
is no annual fee for Companion Platinum Cards.
1. Blue Cash Reward Dollars on Eligible Purchases
Basic Card Members will earn cash back only on eligible purchases and in the form of Reward Dollars (reward dollars). The number of reward dollars earned is based on a percentage of the dollar
amount of eligible purchases during each billing period.
Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases
of travelers checks, purchases or reloading of prepaid cards, purchases of other cash equivalents, gift cards, person-to-person transactions, or any portion of a purchase that is covered by Reward
Dollars at point of sale.
Basic Card Members will earn a reward of 6% cash back on the rst $6,000 of eligible purchases in a calendar year (then 1%) at supermarkets located in the U.S. (superstores, convenience
stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets); 6% cash back on eligible purchases of U.S. streaming subscriptions from select providers (the current
list of select providers is available at americanexpress.com/rewards-info). If a subscription is bundled with another product or service or billed by a third party (such as a digital platform, a cable,
telecommunications, or internet provider, or a car manufacturer), the purchase may not be eligible; 3% cash back on eligible purchases on transit, including trains, taxicabs, ride share services,
ferries, tolls, parking, buses, and subways (airfare, car rental and cruises are not considered transit); 3% cash back on eligible purchases of gasoline at gas stations located in the U.S. (superstores,
supermarkets and warehouse clubs that sell gasoline are not considered gas stations); and 1% cash back on all other eligible purchases.
Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional rewards. A purchase with a merchant will not earn
additional rewards if the merchant’s code is not included in a reward category. Basic Card Members may not receive additional rewards if we receive inaccurate information or are otherwise unable to
identify your purchase as eligible for a reward category. For example, Basic Card Members may not receive additional rewards when: a merchant uses a third-party to sell their products or services; or
a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or you choose to make a purchase using a third-party payment account or make
a purchase using a mobile or digital wallet. Please visit americanexpress.com/rewards-info for more information about rewards.
Basic Card Members can redeem reward dollars for statement credits or for eligible items at Amazon.com checkout, with no minimum redemption amount. Basic Card Members cannot use cash back
to pay the Minimum Due. The Basic Card Member must link their Card Account to their Amazon.com account in order to use reward dollars at Amazon.com.
When a Basic Card Member uses reward dollars at Amazon.com, we will charge their Card Account for the purchase, deduct the reward dollars from the available reward dollars on their Card Account,
and apply a credit to their Card Account to reect the reward dollars used.
In addition to these Terms and Conditions, the terms and conditions for Shop with Points at Amazon.com apply to eligible purchases made with reward dollars at Amazon.com.
2. $100 Statement Credit
If, in any calendar year, the total eligible purchases charged to your Morgan Stanley Blue Cash Preferred® Card Account equal $15,000 or more (“Purchase Requirement”), you will receive a $100
statement credit (“$100 Statement Credit”). The $100 Statement Credit will be posted to your account within 8-12 weeks after the Purchase Requirement is met. Please call the number on the back of
the Card if the statement credit has not posted after 12 weeks from the date when you met the Purchase Requirement. The close of the calendar year is December 31, without regard to the time of the
year that the account is opened. This means that for the rst year of Card Membership, the Card Member's eligibility period for the $100 Statement Credit may be less than twelve months. The benet
is only available to the Basic Card Member; however, eligible purchases made by Additional Card Members will contribute to the Purchase Requirement. Eligible purchases to meet the Purchase
Requirement are for goods and services minus returns and other credits. Purchases to meet the Purchase Requirement do NOT include fees or interest charges, balance transfers, cash advances,
purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of any cash equivalents. Note that the $100 Statement
Credit received during a calendar year may be reversed if the eligible purchases are returned/cancelled, or if you engage in abuse or misuse in connection with the benet (for example, if you do not
maintain an eligible Card Account for the duration of the calendar year).
3. Morgan Stanley Annual Engagement Bonus (AEB)
Platinum CashPlus clients are eligible for the Annual Engagement Bonus (the “Bonus”) if they 1) are the Basic Card Member (primary account holder) of the Platinum Card® from American Express
Exclusively for Morgan Stanley (the “Card”); or 2) spend at least $100,000 during the calendar year across Morgan Stanley Debit Cards associated with Platinum CashPlus Accounts in their ALG (the
“Debit Card Use Threshold”).
Basic Card Members who apply for, and are approved for, the Card will be eligible to receive a Bonus of $695. Clients who qualify for the Bonus by meeting the Debit Card Use Threshold are eligible to
receive the $695 Bonus, which is typically paid in January of the following calendar year.
Each ALG is eligible for one bonus per calendar year. Each client is only eligible for one bonus per calendar year. For more information please refer to the CashPlus Account Disclosure Statement at
https://www.morganstanley.com/wealth-disclosures/cashplusaccountdisclosurestatement.pdf.
4. Additional Cards
Additional Card Members do not have accounts with us but they can use your Account subject to the terms of the Card Member Agreement, must be at least 13 years of age and never had a default
account with American Express. You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account. You must pay for all charges they make. You
authorize us to give Additional Card Members information about your Account and to discuss it with them.
Obtain one (1) Additional Platinum Card for no additional annual fee. After the rst Card, each Additional Platinum Card is $195. There is no annual fee for Companion Platinum Cards.
5. Invest with Rewards
This reward is only available to the Basic Card Member on a Morgan Stanley Card from American Express who has a "deposit eligible" Morgan Stanley brokerage account (an "Eligible Card Member").
Additional Card Members and otherwise authorized third parties, including authorized account managers, may not redeem Membership Rewards points for this reward.
A "deposit eligible" Morgan Stanley brokerage account is a Morgan Stanley brokerage account held in the Eligible Card Member's name, and excludes Charitable Remainder Annuity Trusts, Charitable
Remainder Unitrusts, Irrevocable Trusts, Employer-Sponsored Accounts, Inherited IRAs, Salary RED/SEPs, 529 college savings plans, and Simple IRA accounts.
An Eligible Card Member may redeem a maximum of four million Membership Rewards points every seven calendar days for this reward.
Redeemed points will be immediately deducted by American Express from the Eligible Card Member's Membership Rewards account. Morgan Stanley will deposit associated funds into the Eligible
Card Member's "deposit eligible" Morgan Stanley brokerage account within four to six business days, excluding bank holidays. Points are not refundable once redeemed.
This reward is subject to the Terms and Conditions of the Membership Rewards program. Please consult with your tax advisor regarding the tax implications of any rewards.
6. Annual Fee
The introductory annual fee for the Morgan Stanley Blue Cash Preferred® American Express Card will be $0 for the rst year of Card Membership. After that, the annual fee will be $95.
7. $350 Statement Credit
You may not be eligible to receive the welcome oer, intro APRs, and intro plan fees if you have or have had this Card, the Blue Cash Preferred® Card, or previous versions of these
Cards. You also may not be eligible to receive the welcome oer, intro APRs, and intro plan fees based on various factors, such as your history with credit card balance transfers, your
history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for the welcome oer, intro APRs,
and intro plan fees we will notify you prior to processing your application so you have the option to withdraw your application.
You can earn a $350 statement credit after you make $3,000 (the “Threshold Amount”) or more in eligible purchases on your Morgan Stanley Blue Cash Preferred® American Express Card within
your rst 6 months of Card Membership, starting from the date that your account is opened. The statement credit will be applied 8-12 weeks after the Threshold Amount is met. Eligible purchases
are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of traveler’s checks,
purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents. Eligible purchases can be made by the Basic Card Member and
any Additional Card Members on a single Card Account. Additional Card Members on your account are not eligible for this oer. To receive the $350 statement credit, your Card Account must not be
past due or cancelled at the time the statement credit is posted to your Card Account.
In rare instances, your period to spend $3,000 may be shorter than 6 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 6 month period in some cases, such as a
delay in merchants submitting transactions to us or if the purchase date diers from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the
goods are shipped).
If you have a history of cancelling or downgrading American Express Card accounts within your rst year and you cancel or downgrade your new Card account within your rst year, we may not credit,
we may freeze, or we may take away the statement credit from your account. If we determine that you have engaged in abuse, misuse, or gaming in connection with this oer in any way or that you
intend to do so, including if you return purchases you made to meet the Threshold Amount, we may not credit, we may freeze, or we may take away the statement credit from your account. We may
also cancel any accounts you have with us.
This oer is not transferable. If your application is not received by 08/14/2024, we will not process your application even if we later receive your application. American Express reserves the right to
modify or revoke oer at any time.
8. Annual Fee
Annual Fee: The annual fee for the Platinum Card® from American Express exclusively for Morgan Stanley is $695. Foreign Transaction Fee: None
9. 125,000 Membership Rewards® Points
You may not be eligible to receive a welcome oer if you have or have had this Card, the Platinum Card®, the Platinum Card® from American Express Exclusively for Charles Schwab or
previous versions of these Cards. You also may not be eligible to receive a welcome oer based on various factors, such as your history with credit card balance transfers, your history
as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome oer, we will notify you prior
to processing your application so you have the option to withdraw your application.
You can earn 125,000 Membership Rewards® points after you spend $8,000 (the "Threshold Amount") or more in eligible purchases on your Platinum Card® from American Express Exclusively for
Morgan Stanley within the rst 6 months of the Platinum Card Membership starting from the date that your account is opened.
Eligible purchases can be made by the Basic Card Member and any Additional Card Members on a Card Account. Eligible purchases are purchases for goods and services minus returns and other
credits. Eligible purchases do NOT include: fees or interest charges; purchases of travelers checks; purchases or reloading of prepaid cards; purchases of gift cards; person-to-person payments; or
purchases of other cash equivalents. Points will be credited to your Membership Rewards account within 8-12 weeks after you meet the Threshold Amount. Your Card Account must not be canceled or
past due at the time of fulllment of any oers.
In rare instances, your period to spend $8,000 may be shorter than 6 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 6 month period in some cases, such as a
delay in merchants submitting transactions to us or if the purchase date diers from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the
goods are shipped).
If you have a history of cancelling or downgrading American Express Card accounts within your rst year and you cancel or downgrade your new Card account within your rst year, we may not credit,
we may freeze, or we may take away Membership Rewards® points from your account. If we determine that you have engaged in abuse, misuse, or gaming in connection with this oer in any way or
that you intend to do so, including if you return purchases you made to meet the Threshold Amount, we may not credit, we may freeze, or we may take away Membership Rewards® points from your
account. We may also cancel any accounts you have with us.
This oer is not transferable. If your application is not received by 08/14/2024, we will not process your application even if we later receive your application. American Express reserves the right to
modify or revoke oer at any time.
Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change
without notice. The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo.
10. 5X Air and Hotel
Basic Card Members will get 1 Membership Rewards® point for each dollar charged for eligible purchases on their Platinum Card® or an Additional Card on their Account and 4 additional points
(for a total of 5 points) for each dollar charged for eligible travel purchases on any Card on the Account (“Additional Points”), minus cancellations and credits. Eligible travel purchases are limited
to: (i) purchases of air tickets on scheduled ights, of up to $500,000 in charges per calendar year, booked directly with passenger airlines or through American Express Travel (by calling 1-800-
525-3355 or through AmexTravel.com); (ii) purchases of prepaid hotel reservations booked through American Express Travel; and (iii) purchases of prepaid ight+hotel packages booked through
AmexTravel.com. Eligible travel purchases do not include: charter ights, private jet ights, ights that are part of tours, cruises, or travel packages (other than prepaid ight+hotel packages booked
through AmexTravel.com), ticketing or similar service fees, ticket cancellation or change fees, property fees or similar fees, hotel group reservations or events, interest charges, or purchases of cash
equivalents. Eligible prepaid hotel bookings or prepaid ight+hotel bookings that are modied directly with the hotel will not be eligible for Additional Points.
Bonuses that may be received with your Card on other purchase categories or in connection with promotions or oers from American Express cannot be combined with this benet. Any portion of a
charge that the Basic Card Member elects to cover through redemption of Membership Rewards points is not eligible to receive points. Additional terms and restrictions apply.
Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for Additional Points. A purchase with a merchant will not earn
Additional Points if the merchant’s code is not included in an Additional Points category. Basic Card Members may not receive Additional Points if we receive inaccurate information or are otherwise
unable to identify your purchase as eligible for an Additional Points category. For example, you may not receive Additional Points when: a merchant uses a third-party to sell their products or services,
a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers), or you choose to make a purchase using a third-party payment account or make
a purchase using a mobile or digital wallet.
To be eligible for this benet, the Card Account must not be cancelled. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse,
misuse, or gaming in connection with this benet in any way American Express may remove access to this benet from the Account. For additional information, call the number on the back of your
Card or visit americanexpress.com/rewards-info for more information about rewards.
Liability Statement. You understand and agree that American Express Travel Related Services Company, Inc. and its parent, subsidiaries, aliates and representatives (collectively, "Amex"), when
acting solely as a sales agent for travel suppliers, shall not be liable for any loss, injury, expense or damage to persons or property resulting, directly or indirectly, from (1) the acts of omissions of
travel suppliers, including but not limited to delays, overbooking’s, cancellation of services, cessation of operations, accidents or failures of equipment, or changes in fares, itineraries or schedules;
or (2) acts of God, res, earthquakes, oods, climatic aberrations, acts of governmental authorities, civil unrest, strikes, riots, theft, disease, accidents or failures related to the public internet,
telecommunications lines or facilities, or third party technology systems, or any other cause beyond the control of Amex.
Intermediary Disclosure. Amex assists you in nding travel suppliers and making arrangements that meet your individual needs. We consider various factors in identifying travel suppliers to you
and recommending specic itineraries. In this role, we are acting as an independent third party and not as a duciary. We want you to be aware that certain suppliers pay us commissions as well as
incentives for reaching sales targets or other goals, and from time to time may also provide incentives to our Travel Consultants. Certain suppliers may also provide compensation to us for various
marketing and administrative services that we perform for them, such as granting them access to our marketing channels, participating in marketing programs and supporting technology initiatives.
In addition, we receive compensation from suppliers when customers use the American Express Card or other American Express products to pay for supplier products and services. From time to time
we may enter into other business relationships with suppliers and these arrangements, including levels and types of compensation and incentives we receive, are subject to change. In identifying
suppliers and recommending itineraries, we may consider a number of factors, including supplier availability and your preferences. The relationships we have with suppliers may also inuence the
suppliers we identify and the itineraries we recommend.
For more information please visit www.americanexpress.com/travelterms
CALIFORNIA: Upon cancellation of the transportation or travel services, where the passenger is not at fault and has not cancelled in violation of any terms and conditions previously clearly and
conspicuously disclosed and agreed to by the passenger, all sums paid to the seller of travel for services not provided will be promptly reimbursed to the passenger unless the passenger otherwise
advises the seller of travel in writing, after cancellation. This provision does not apply where the seller of travel has remitted the payment from customer to another registered wholesale seller of
travel or a carrier, without obtaining a refund and such other provider fails to provide the agreed-upon transportation or service. In this situation, the initial seller of travel must provide the passenger
with a written statement accompanied by bank records establishing the disbursement of the customer payment, and if disbursed to a registered wholesaler of travel, proof of current registration of
that wholesaler. California law requires certain sellers of travel to have a trust account or bond. Amex has a bond issued by Travelers Casualty and Surety Company of Connecticut in the amount of
$100,000. Amex is not a participant in the California Travel Consumer Restitution Fund.
WASHINGTON: If transportation or other services are canceled by the seller of travel, all sums paid to the seller of travel for services not performed in accordance with the contract between the seller
of travel and the purchaser will be refunded within thirty (30) days of receiving the funds from the vendor with whom the services were arranged, or if the funds were not sent to the vendor, the funds
shall be returned within fourteen (14) days after cancellation by the seller of travel to the purchaser unless the purchaser requests the seller of travel to apply the money to another travel product and/
or date.
California CST#1022318, Washington UBI#600-469-694
11. $200 Hotel Credit
Basic Card Members on U.S. Consumer Platinum Card Account are eligible to receive up to $200 in statement credits per calendar year when they or Additional Platinum Card Members use their
Cards to pay for eligible prepaid Fine Hotels + Resorts® and The Hotel Collection bookings made through American Express Travel (meaning through amextravel.com, the Amex® App, or by calling
the phone number on the back of your eligible Card) or when Companion Platinum Card Members on such Platinum Card Accounts pay for eligible prepaid bookings for The Hotel Collection made
through American Express Travel (meaning through amextravel.com, the Amex® App, or by calling the phone number on the back of your eligible Card). Please note, access to the benet may take
up to 24 hours to take eect on your Card after Account opening. Purchases by both the Basic Card Member and any Additional Card Members on the Card Account are eligible for statement credits.
However, the total amount of statement credits for eligible purchases will not exceed $200 per calendar year, per Card Account. Fine Hotels + Resorts® program bookings may be made only by
eligible U.S. Consumer Basic Platinum and Additional Platinum Card Members. The Hotel Collection bookings may be made by eligible U.S. Consumer Basic and Additional Platinum Card Members
and Companion Platinum Card Members on the Platinum Card Account. Delta SkyMiles® Platinum Card Members are not eligible for the benet. To receive the statement credits, an eligible Card
Member must make a new booking using their eligible Card through American Express Travel on or after July 1st, 2021, that is prepaid (referred to as "Pay Now" on amextravel.com and the Amex App),
for a qualifying stay at an available, participating Fine Hotels + Resorts or The Hotel Collection property. Bookings of The Hotel Collection require a minimum stay of two consecutive nights. Eligible
bookings must be processed before December 31st, 11:59PM Central Time, each calendar year to be eligible for statement credits within that year. Eligible bookings do not include interest charges,
cancellation fees, property fees or other similar fees, or any charges by a property to you (whether for your booking, your stay or otherwise).
Statement credits are typically received within a few days, however it may take 90 days after an eligible prepaid hotel booking is charged to the Card Account. American Express relies on the
merchant’s processing of transactions to determine the transaction date. The transaction date may dier from the date you made the purchase if, for example, there is a delay in the merchant
submitting the transaction to us or if the merchant uses another date as the transaction date. This means that in some cases your purchase may not earn the statement credit benet for the benet
period in which you made the purchase. For example, if an eligible purchase is made on December 31st but the merchant processes the transaction such that it is identied to us as occurring on
January 1st, then the statement credit available in the next calendar year will be applied. Statement credits may not be received or may be reversed if the booking is cancelled or modied. If the Card
Account is canceled or past due, it may not qualify to receive a statement credit. If American Express does not receive information that identies your transaction as eligible, you will not receive the
statement credits. For example, your transaction will not be eligible if it is a booking: (i) made with a property not included in the Fine Hotels + Resorts or The Hotel Collection programs, (ii) not made
through American Express Travel, or (iii) not made with an eligible Card. Participating properties and their availability are subject to change. If American Express, in its sole discretion, determines
that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benet, American Express will not have an obligation to provide and may reverse
any statement credits provided to you. If a charge for an eligible purchase is included in a Pay Over Time balance on your Card Account, the statement credit associated with that charge may not be
applied to that Pay Over Time balance. Instead, the statement credit may be applied to your Pay In Full balance. Please refer to AmericanExpress.com/FHR and AmericanExpress.com/HC for more
information about Fine Hotels + Resorts and The Hotel Collection, respectively.
12. $240 Digital Entertainment Credit
Enrollment through American Express is required to receive the benet. Only the Basic Card Member or Authorized Account Manager(s) on a U.S. Consumer Platinum Card Account can enroll in the benet
in the Benets section of their Americanexpress.com online account or by calling the number on the back of their Card. Please note, enrollment may take up to 24 hours to take eect on your Card. Eligible
purchases (see below) must be made directly with the participating partners in the U.S. locations where the partners’ services are available. Purchases by both the Basic Card Member and Additional
Card Members on the enrolled Card Account are eligible for statement credits. However, statement credits will be provided for only $20 in statement credits per month per Card Account, for a total of
$240 per calendar year, whether the purchase was made by the Basic Card Member or Additional Card Members on the Account. Only valid for transactions completed in the U.S. and U.S. Territories.
Eligible subscriptions will automatically renew unless canceled and the merchant will charge the applicable membership fee to the Card they have on le. Purchases of prepaid or gift cards from third-
party retailers for use at the participating partners are not eligible for this benet. Only valid on eligible purchases charged directly with the following partners: Disney+, ESPN+, Hulu, The New York Times,
Peacock, and The Wall Street Journal. Age minimums and other restrictions apply to use of each partner's services; see each partner’s terms and conditions for more information.
Disney+: All Disney+ purchases made directly through www.disneyplus.com are eligible, for example, a Disney Bundle. The Disney Bundle includes Disney+, Hulu and ESPN+, or Disney+ and Hulu. Access
content from each service separately.
ESPN+: All ESPN+ purchases made directly through plus.espn.com are eligible, for example, Pay Per View (PPV) purchases and a Disney Bundle. The Disney Bundle includes Disney+, Hulu and ESPN+, or
Disney+ and Hulu. Access content from each service separately.
Hulu: All Hulu purchases made directly through www.hulu.com are eligible, for example, a Disney Bundle. Disney Bundles include Disney+, Hulu and ESPN+, or Disney+ and Hulu. Access content from each
service separately.
The New York Times: Eligible purchases for The New York Times include subscriptions for digital or print News, New York Times Cooking, New York Times Games, Wirecutter, and The New York Times All
Access bundle made directly through www.nytimes.com/subscription. Eligible purchases do not include advertising services, NYT conferences, gift cards, TimesDigest or purchases from the NYTimes
company store.
Peacock: Eligible purchases for Peacock include all Peacock subscriptions, for example, Peacock Premium and Premium Plus, made directly online at www.peacocktv.com. Eligible purchases do not include
subscriptions bundled with cable services or other bundles, promotional oers through third parties, or gift cards.
The Wall Street Journal: Eligible purchases for The Wall Street Journal include any subscriptions, for example, news bundles including The Wall Street Journal and Barron’s, MarketWatch and/or Investor’s
Business Daily, made directly through www.wsj.com/amex. Eligible purchases do not include advertising services, WSJ events, gift cards or purchases from The Wall Street Journal Online Store.
Please allow 6-8 weeks after an eligible purchase is charged to your Card Account for statement credit(s) to be posted to the Account. Please call the number on the back of the Card if statement credits have
not posted after 8 weeks from the date of purchase. American Express relies on the merchant’s processing of transactions to determine the transaction date. The transaction date may dier from the date you
made the purchase if, for example, there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date. This means that in some cases your purchase
may not earn the statement credit benet for the benet period in which you made the purchase. For example, if an eligible purchase is made on December 31st but the merchant processes the transaction
such that it is identied to us as occurring on January 1st, the January statement credit would be applied, and your transaction will not be eligible if it is not made directly with the merchant. In addition, in
most cases, you may not receive the statement credit if your transaction is made with an electronic wallet or through a third party (such as an app store or cable bundle) or if the merchant uses a mobile or
wireless card reader to process it.
If the Card Account is canceled or past due, it may not qualify to receive a statement credit. If your Card has been replaced, make sure that the most up to date Account information is on le with the Merchant
or else you may not receive the statement credits. If your Card is enrolled in the benet and you replace your Card, please check the Benets section of your americanexpress.com account, mobile app or call
the number on the back of your Card to conrm your continued enrollment in the benet. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner
of abuse, misuse, or gaming in connection with this benet, American Express will not have an obligation to provide statement credits and may reverse any statement credits provided to you. If you receive a
refund for an eligible purchase and the statement credit has been applied before the merchant refunds the charges, that statement credit may be reversed. If a charge for an eligible purchase is included in a
Pay Over Time balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time balance. Instead, the statement credit may be applied to your Pay In
Full balance. For additional information, call the number on the back of your Card.
13. $200 Uber Cash
Basic Card Members on a Consumer Platinum Card or Centurion account and Additional Centurion Card Members are eligible for Uber VIP and the monthly Amex Benet (“Amex Benet”). To receive this
benet, you must have downloaded the latest version of the Uber App and your eligible Platinum Card or Centurion Card must be a method of payment in your Uber account. The Amex Benet may only be
used in the United States.
To be eligible for the Amex Benet, your Card Account must not be canceled or past due. American Express reserves the right to suspend your eligibility for the Amex Benet if we suspect any violation or
abuse. To continue to receive the Amex Benet, the details for your eligible Card must be kept up to date in your Uber Account. Cards added to your Uber account through a third party such as Apple Pay or
PayPal will not be eligible. An eligible Platinum Card or Centurion Card may receive the Amex Benet on one Uber account. If the same Card is added to multiple Uber accounts, only the rst Uber account to
which the Card is added will receive the Amex Benet. If your American Express Card details change, you will need to make required updates to your Card details in your Uber payment prole before the end
of the current month to ensure you remain enrolled in the Amex Benet. If you do not update your Card details prior to the rst day of the following month, you may need to re-enroll to continue to receive
your Amex benet. It may take up to 48 hours for the Amex Benet to become available in your Uber account after your eligible Card has been added to that account. Uber VIP is available in select cities and is
governed by Uber’s terms and conditions.
The Amex Benet is found within your Uber Cash balance. In order to use the Amex Benet, Uber Cash must be turned on. If Uber Cash is turned on when you request a ride, Uber Cash will appear above the
conrmation button. If Uber Cash does not appear above the conrmation button, tap on the current payment option and turn on Uber Cash. If you do not see the Amex Benet in your Uber Cash balance
within 48 hours from the time you enroll, call the number on the back of your Card for assistance.
The Amex Benet may be applied to all vehicle types with Uber, orders on Uber Eats and to any other services to which Uber permits Uber Cash to be applied. If your Uber Cash balance does not satisfy the
cost of your ride or order, the primary payment method on your Uber account will be charged for the dierence.
The Amex Benet will not apply to previous Uber transactions and cannot be used when paying with an UberFAMILY prole. New and existing Uber users are eligible. Uber will apply the Amex Benet at the
point of sale and it will be displayed on your emailed receipt. There is no limit to the number of transactions you may apply your Amex Benet to each month, up to a total of $15 per month (up to a total of $35
in December).
Your monthly Amex Benet expires at 11:59 PM Hawaii Standard Time on the last day of each calendar month. Unused balance in Uber Cash from your Amex Benet will not carry over to the following month.
Your Amex Benet will be applied for the month in which the transaction is completed. If a transaction is eligible for another promotion that you have added to your Uber account, the promotion will be applied
before your Amex Benet. Certain other types of balances in Uber Cash may be applied to the cost of your ride or order prior to your Amex Benet in Uber Cash. For purposes of fullling this benet, American
Express will share with Uber certain information about your Card, including the Card type, and updated Card information from time to time. If you do not wish to receive the Amex Benet, please call the
number on the back of your Card. If you do not see the Amex Benet in your Uber Cash balance by 5:00 PM Hawaii Standard Time on the rst day of each calendar month, call the number on the back of
your Card for assistance.
14. The Global Lounge Collection
®
The American Express Global Lounge Collection®
U.S Consumer and Business Platinum Card Members and any Additional Platinum Card Members on the Account are eligible for access to the participating lounges in the American Express Global
Lounge Collection. Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum Accounts are not eligible for the
Global Lounge Collection benet. All lounge access is subject to space availability. Each lounge program within the Global Lounge Collection has its own policies and access to any of the participating
lounges is subject to the applicable rules and policies. Participating lounges reserve the right to remove any person from the premises for inappropriate behavior or failure to adhere to rules, including,
but not limited to, conduct that is disruptive, abusive, or violent. To be eligible for this benet, Card Account must not be cancelled. Please refer to each program’s terms and conditions to learn more.
The Centurion® Lounge
U.S. Platinum Card® from American Express Exclusively for Morgan Stanley Members have unlimited complimentary access to all locations of The Centurion Lounge. Companion Platinum Cards
on Consumer Platinum Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum Accounts are not eligible for access to The Centurion Lounge. All access to The
Centurion Lounge is subject to space availability. To access The Centurion Lounge, Platinum Card Members must arrive within 3 hours of their departing ight and present The Centurion Lounge
agent with the following upon each visit: their valid Card, a boarding pass showing a conrmed reservation for a departing ight on the same day on any carrier and a government-issued I.D. Note that
select lounges allow access to Card Members with a conrmed reservation for any same-day travel (departure or arrival). Refer to the specic location’s access policy for more information. Failure
to present this documentation may result in access being denied. Card Members must be at least 18 years of age to enter without a parent or legal guardian. All Centurion Lounge visitors must be
of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the
Lounge for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Soliciting other Card Members for access into our Lounge is
not permissible. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. Card Members will not be compensated for
changes in locations, rates or policies. In addition to the complimentary services and amenities in the Lounge, certain services, products or amenities may be oered for sale. You are responsible for
any purchases and/or servicing charges you make in The Centurion Lounge or authorize our Member Services Professionals to make on your behalf. Services available at the Member Services Desk
are based on the type of American Express Card used to enter the Lounge. American Express will not be liable for any articles lost or stolen or damages suered by visitors to The Centurion Lounge.
If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with Lounge access in any way or that you intend to do so, we may remove access to The
Centurion Lounge from the Platinum Account. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any
time without notice.
U.S. Platinum Card Members, U.S. Business Platinum Card Members and Additional U.S. Platinum Card Members on the Account will be charged a $50 fee for each guest (or $30 for children aged 2
through 17, with proof of age) unless they have qualied for Complimentary Guest Access. U.S. Platinum Card and U.S. Business Platinum Card Members may qualify for Complimentary Guest Access
for up to two (2) guests per visit to locations of The Centurion Lounge in the U.S., Hong Kong International Airport and London Heathrow Airport (“Complimentary Guest Access”), after spending
$75,000 or more on eligible purchases on the Platinum Account in a calendar year. Once eective, Complimentary Guest Access will be available for the remainder of the calendar year in which it
became eective, the following calendar year, and until January 31 of the next calendar year (for example, if Complimentary Guest Access became eective on May 1, 2023, it would remain eective
until January 31, 2025). Eligible purchases made by any Additional Card Members on the Platinum Account will contribute to the purchase requirement. Complimentary Guest Access is limited to two
(2) guests per Card Member per visit, regardless of whether you are eligible for complimentary guest access through multiple Platinum Accounts or through other Amex Cards. Guest access policies
may vary internationally by location and are subject to change.
Eligibility for Complimentary Guest Access will typically be processed within a week of the Platinum Account’s meeting the purchase requirement, but may take up to 12 weeks to become eective.
Complimentary Guest Access status will be reected in the Benets tab of your online Account and in the American Express App. Eligible purchases to meet the purchase requirement are for goods
and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards,
purchases of gift cards, person-to-person payments, or other cash equivalents. If a Card Member upgrades or downgrades from a dierent American Express Card to a Platinum Account, eligible
purchases made on that Card Account will count toward meeting the purchase requirement to achieve Complimentary Guest Access on the new Platinum Account.
Escape Lounges – The Centurion® Studio Partner
This benet is available to U.S. Platinum Card® from American Express Exclusively for Morgan Stanley Members. Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and
Additional Business Expense Cards on Business Platinum Accounts are not eligible for access to Escape Lounges – The Centurion® Studio Partner. Card Members receive complimentary access to
all US locations of the Escape Lounges. Card Member must present their valid Card, a boarding pass showing a conrmed reservation for same-day travel on any carrier and government-issued I.D.
Card Member must be at least 18 years of age to enter without a parent or legal guardian. All Escape Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to
consume alcoholic beverages. Please drink responsibly. The eligible ight must be booked on a U.S. issued American Express credit card and Card Members may bring up to two complimentary guests
per visit. Card Member must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benets and amenities aorded to the Escape
Lounge customers, including access to purchase non-complimentary items. Some product features may be subject to additional charges. Escape Lounge locations are subject to change without notice.
Additional restrictions may apply.
Delta Sky Club
This benet is available to U.S. Platinum Card® from American Express Exclusively for Morgan Stanley Members and Additional Platinum Card Members on the Account (each, an “Eligible Platinum
Card Member”). Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum Accounts are not eligible for the
Delta Sky Club benet. Platinum Card Members must present their valid American Express Card, government-issued I.D., and boarding pass to the Delta Sky Club ambassador. Boarding pass must
show a reservation for a same-day Delta-operated ight (Delta or Delta connection) departing from or arriving at the airport in which the Delta Sky Club is located. Name on boarding pass must
match name on the Card. Eligible Platinum Card Members on departing ights can only access the Delta Sky Club or the Delta Sky Club “Grab and Go” feature within 3 hours of their ight's scheduled
departure time. During a layover between Delta-operated ights on the same ticket, you may use the Delta Sky Club in your connecting airport at any time during the layover. Delta reserves the right
to limit access for non-revenue yers at any Delta Sky Club. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless
accompanied by a responsible, supervising adult who has access to the Delta Sky Club. Benet valid only at Delta Sky Club. Partner lounges are not included. Note that amenities may vary among Delta
Sky Club locations. Participating airport clubs and locations subject to change without notice. Eligible Platinum Card Members may bring guests into the Delta Sky Club subject to the most current
Delta Sky Club access and pricing policies and must use their valid Platinum Card as the payment method for guest access. Guests also must be ying on a same-day Delta-operated ight. Guest
access and fees subject to terms and conditions of participating airport clubs. Access is subject to Delta Sky Club rules. To review the rules, please visit delta.com/skyclub. Benet and rules subject to
change without notice. Additional restrictions may apply.
Eective January 1, 2024: Eligible Platinum Card Members traveling on a same-day Delta-operated ight with Basic Economy (E) fare tickets will not have access to the Delta Sky Club or to
Grab and Go.
Eective September 14, 2023 through January 31, 2025: Eligible Platinum Card Members receive complimentary access to the Delta Sky Club or to Grab and Go when traveling on a same-day
Delta-operated ight. Eligible Platinum Card Members may bring either up to two guests, or their immediate family (spouse/domestic partner and children under 21) to the Club at a per-visit rate of
$50 per person, per location or to Grab and Go at a per-visit rate of $25 per person, per location. The Eligible Platinum Card must be used as the payment method to purchase guest access. Guests
must also be ying on a same-day Delta-operated ight. Children under 2 years of age may accompany the Eligible Platinum Card Member for free.
Eective February 1, 2025: Eligible Platinum Card Members will receive 10 Visits per Eligible Platinum Card per year to the Delta Sky Club or to Grab and Go when traveling on a same-day Delta-
operated ight. Visits are non-transferable and may only be used by the Eligible Platinum Card Member. Visits issued from February 1, 2025 through January 31, 2026 will expire on January 31, 2026,
and Visits issued in subsequent years will expire on January 31 of each calendar year thereafter.
A “Visit” is an entry to one or more Delta Sky Clubs or usage of the Delta Sky Club “Grab and Go” feature, at one or more airports, for a period of up to 24 hours starting upon the rst Delta Sky Club
entry or Grab and Go usage, during an Eligible Platinum Card Member’s travel on a same-day Delta-operated ight. A single Visit permits usage of Delta Sky Club(s) in multiple airports during the
24-hour period. For example, if you visit a Delta Sky Club in dierent airports on a trip, entry into one or more of these Clubs will be considered part of the same Visit as long as these additional entries
occur within 24 hours of the rst Delta Sky Club entry. If travel exceeds 24 hours from the rst Delta Sky Club, then a second Visit will be deducted if entering the Delta Sky Club or using Grab and Go
more than 24 hours after the rst entry. Eligible Platinum Card Members may not access the Club or a Grab and Go location in the three hours from the time of previous Grab and Go usage at the same
airport. Once all 10 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits (including Grab and Go) at a per-Visit rate of $50 per person. Visits cannot be used for
guest entry. During a Visit, Eligible Platinum Card Members may bring either up to two (2) guests, or their immediate family (spouse/domestic partner and children under 21) to the Club (including
Grab and Go) at a per-Visit rate of $50 per person. The Eligible Platinum Card must be used as the payment method to purchase Card Member and guest access. Guests must also be ying on a same-
day Delta-operated ight and be accompanied by the Eligible Platinum Card Member. Children under 2 years of age may accompany the Eligible Platinum Card Member for free.
To earn an unlimited number of Visits (“Unlimited Delta Sky Club Access”) starting on February 1, 2025, the total eligible purchases on the Eligible Platinum Card Account must equal or exceed
$75,000 (the “Purchase Requirement”) between January 1, 2024 and December 31, 2024 and in each calendar year thereafter. Unlimited Delta Sky Club Access will be provided to all Eligible Platinum
Card Members once the Account has reached the Purchase Requirement. Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and Additional Business Expense Cards
on Business Platinum Accounts are not eligible for the Unlimited Delta Sky Club Access benet. All entry requirements set forth above will continue to apply with respect to Unlimited Delta Sky Club
Access.
Unlimited Delta Sky Club Access will be processed within a week of the Eligible Platinum Card Account’s satisfying the Purchase Requirement in most instances but may take up to 12 weeks to become
eective. Once eective, Unlimited Delta Sky Club Access will be available for the remainder of the calendar year in which it became eective, the following calendar year and through January 31 of
the next calendar year (for example, if Unlimited Delta Sky Club Access becomes eective on May 1, 2025, it will remain eective through January 31, 2027). Eligible purchases made by any Additional
Card Members on the Eligible Platinum Card Account will contribute to the Purchase Requirement. Eligible purchases to meet the Purchase Requirement are for goods and services minus returns
and other credits. Eligible purchases do NOT include fees, interest charges, cash advances, purchases of travelers’ checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-
person payments, or other cash equivalents. If a Card Member upgrades or downgrades from a dierent American Express Card to an Eligible Platinum Card, eligible purchases made on the prior Card
Account will count toward the Purchase Requirement. Delta reserves the right to revoke Unlimited Delta Sky Club Access if you return, reverse or charge back eligible purchases in a way that reduces
your eligible spend below the Purchase Requirement for the calendar year. If Delta and/or American Express determine that you have engaged in abuse, misuse, or gaming in connection with this Delta
Sky Club Access Benet in any way or that you intend to do so, Visits may be deducted from your account and/or Unlimited Delta Sky Club Access revoked.
Lufthansa
This benet is available to U.S. Platinum Card® from American Express Exclusively for Morgan Stanley Members. Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold
and Additional Business Expense Cards on Business Platinum Accounts are not eligible for the Lufthansa lounges benet. Platinum Card Members have complimentary access to select Lufthansa
Business Lounges (regardless of ticket class) and Lufthansa Senator Lounges (when ying business class) when ying on a Lufthansa Group ight. To access the Lufthansa lounges, a Platinum Card
Member must present their valid Platinum Card, a government issued I.D., and a same-day departure boarding pass showing conrmed reservation on a Lufthansa Group ight (Lufthansa, SWISS
and Austrian airlines). Card Members must adhere to all rules of participating lounges. Participating lounges and locations subject to change without notice. Additional guest access and fees subject
to terms and conditions of participating lounges. In some Lounges the Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Must be of legal drinking age to
consume alcoholic beverages. Please drink responsibly. For the most current list of Lufthansa lounges, guest access requirements, rules, and pricing policy, please visit
https://www.lufthansa.com/de/en/lounges.
Plaza Premium Lounges
This benet is available to U.S. Platinum Card® from American Express Exclusively for Morgan Stanley Members. Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold
and Additional Business Expense Cards on Business Platinum Accounts are not eligible for the Plaza Premium Lounges benet. Card Members receive complimentary access to any global location
of Plaza Premium Lounges. To access Plaza Premium Lounges, Card Member must present their valid Card, a boarding pass showing a conrmed reservation for same-day travel on any carrier and
government-issued I.D. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. Card Members may bring up to two (2) companions into Plaza Premium Lounges
as complimentary guests. Must be of legal drinking age to consume alcohol. Please drink responsibly. Card Member must adhere to all house rules of participating lounges. Card Members and their
guests will receive all of the complimentary benets and amenities aorded to the Plaza Premium Lounge customers, as well as access to purchase non-complimentary items. Some product features
may be subject to additional charges. Plaza Premium Lounge locations are subject to change.
Priority Pass Select
This benet is available to U.S. Platinum Card® from American Express Exclusively for Morgan Stanley Members. The Platinum Card® from American Express Exclusively for Morgan Stanley
Members and Additional Platinum Card® from American Express Exclusively for Morgan Stanley Members must enroll in the Priority Pass™ Select program through the benets section of their
americanexpress.com account or by calling the number on the back of their Card to receive the benet. Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and
Additional Business Expense Cards on Business Platinum Accounts are not eligible for the Priority Pass Select benet. Priority Pass is an independent airport lounge access program. You acknowledge
and agree that American Express will verify your Card Account number and provide updated Card Account information to Priority Pass. Priority Pass will use this information to fulll on the Priority
Pass Select program and may use this information for marketing related to the program. Once enrolled, the Platinum Card® from American Express Exclusively for Morgan Stanley Card Members
with a valid Card Account may access participating Priority Pass Select lounges by presenting their Priority Pass Select card and airline boarding pass. If the Card Account is canceled, you will not be
eligible for Priority Pass Select and your enrollment will be canceled. When visiting a Priority Pass Select lounge that admits guests, the Platinum Card® from American Express Exclusively for Morgan
Stanley Members receive complimentary access for up to two accompanying guests. After two guests, the Card Account on le with Priority Pass Select will be automatically charged the guest visit
fee of the Priority Pass Standard program for each additional guest after you have signed up for the additional guest visit and it has been reported to Priority Pass by the participating lounge. Some
lounges limit the number of guests or do not admit guests. In some lounges, Priority Pass Select members must be 21 years of age to enter without a parent or guardian. Priority Pass Select members
must adhere to all house rules of participating lounges and access to participating lounges is subject to all rules, terms and conditions of the applicable lounge. Amenities may vary among airport
lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass Select lounge partners and locations are subject to change. All Priority Pass Select members
must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package, and can be viewed at www.prioritypass.com. Upon receipt of your enrollment information,
Priority Pass will send your Priority Pass Select card and membership package which you should receive within 10–14 business days. If you have not received the Priority Pass card after 14 days, please
contact American Express using the number on the back of your American Express® Card. To receive immediate access to lounges after your enrollment in Priority Pass Select has been processed, you
can activate your membership online by using your Priority Pass Select membership details to receive a Digital Membership Card. For a step-by-step guide on the activation process, visit prioritypass.
com/activation.
Additional Global Lounge Collection Partner Lounges
American Express oers access to additional lounges in the Global Lounge Collection where U.S. Platinum Card® from American Express Exclusively for Morgan Stanley Card Members have unlimited
complimentary access to participating locations. Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum
Accounts are not eligible for access to participating locations. Card Members must present their valid Platinum Card, a government-issued I.D., and a boarding pass showing a conrmed reservation
for same-day travel on any carrier. Guest access and associated fees are subject to the terms and conditions of the participating lounge provider. Participation, locations, rates, and policies of lounges
are subject to change without notice, and Card Members and their guests will not be compensated for such changes. Amenities, services, and hours may vary by participating lounge and are subject
to change without notice. American Express and the participating lounge will not be liable for any articles lost or stolen, or damages suered by the Card Member or guests inside the participating
lounge. For participating lounges with a self-service bar, the Card Member may be required to be of legal drinking age in the participating lounge jurisdiction to enter without a parent or legal guardian.
All Card Members and their guests must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. Each participating lounge may have their own policy allowing for children
under a certain age to enter for free with the Card Member who is a parent or legal guardian. Card Member must adhere to all house rules of participating lounges. If American Express, in its sole
discretion, determines that the Card Member or their guests have engaged in abuse, misuse, or gaming in connection with access to participating lounges in any way, or that the Card Member or their
guests intend to do so, we may remove access to the Additional Lounges from the Account. American Express and the participating lounge reserve the right to revise the rules at any time without
notice. For the most current list of participating lounges and access requirements, please use the Lounge Finder feature in the American Express App or visit www.americanexpress.com/ndalounge.
15. Walmart+ Monthly Membership Credit
Basic Platinum Card® from American Express Exclusively for Morgan Stanley Members can receive a statement credit for one monthly Walmart+ membership fee (up to $12.95 + applicable
taxes) on the rst membership fee charged to the Card Account each month when a Basic or Additional Card on the Account is used to pay for a monthly Walmart+ membership. Enrollment in
monthly Walmart+ membership is required. Purchases of any membership Plus Ups (for example, Walmart InHome) and purchases of Walmart Business+ memberships are not eligible for this
benet. Purchases by both the enrolled Basic Card Member and Additional Card Members on the Card Account are eligible for statement credits. However, a statement credit will be provided for
only one monthly Walmart+ membership fee per Card Account per month, whether the fee is charged to the Basic Card or an Additional Card. If you are already enrolled in a monthly Walmart+
membership, the Basic Card Member will begin receiving a monthly statement credit after your monthly Walmart+ membership fee is charged to the Card. If you are enrolled in an annual Walmart+
membership, the Account will not receive the monthly statement credit for that annual membership. For the Card Account to receive the credit, you must switch your annual Walmart+ membership,
at least one day before your annual renewal date, to a monthly Walmart+ membership. If you do not switch before your renewal date, your annual Walmart+ membership will automatically renew and
the Account will not receive monthly statement credits for the annual membership fee. To switch your annual Walmart+ membership to a monthly membership, please update your membership type
by visiting www.walmart.com/plus/amexplatinum or by calling 1 (800) 925-6278. Once enrolled in a monthly Walmart+ membership, your membership will automatically renew each month unless
canceled and Walmart will charge the applicable membership fee to the Card Walmart has on le. American Express has no control over the approval process for Walmart+ and does not have access to
any information provided to Walmart by the Card Member or by Walmart to the Card Member. Enrollment in the Walmart+ membership program is subject to the full Walmart+ Terms of Use (including
the Walmart.com Terms of Use), found here: www.walmart.com/plus/amexplatinum/terms. Walmart+ membership is available to all U.S. residents, however, certain benets of Walmart+ membership
(such as free shipping and fuel discounts) are not available in the U.S. territories other than Puerto Rico. For additional information on Walmart+ memberships, including a summary of their benets
and benet availability, please go to www.walmart.com/plus or call 1 (800) 925-6278. American Express has no control over, or responsibility for, the Walmart+ membership program which is subject
to change according to the Walmart+ terms. Please allow up to 6-8 weeks after a qualifying monthly Walmart+ membership fee is charged to the Card Account for the statement credit to be posted
to the Account. American Express relies on the merchants processing transactions to determine the transaction date. The transaction date may dier from the date you made the purchase if, for
example, there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date. This means that in some cases your purchase may not earn a
statement credit benet for the benet period in which you made the purchase. For example, if an eligible purchase is made on December 31st but the merchant processes the transaction such that
it is identied to us as occurring on January 1st, the January statement credit would be applied. If you do not see a credit for a qualifying purchase on the Card Account after 8 weeks, please call the
number on the back of your Card. If the Card Account is canceled or past due, it may not qualify to receive a statement credit. Statement credits may be reversed if an eligible purchase is returned/
cancelled. If you are assigned a new Card number or have a Card number on le with Walmart+ that is outdated (for example, if you replace your Card or if your Card has expired), you must update
your Card information on le with Walmart+ to help ensure that you receive statement credits for eligible Walmart+ membership fees charged to your eligible Card. If American Express, in its sole
discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benet, American Express will not have an obligation to provide
and may reverse any statement credits provided to you. If a charge or an eligible purchase is included in a Pay Over Time balance on the Card Account, the statement credit associated with that charge
may not be applied to that Pay Over Time balance. Instead, the statement credit may be applied to the Pay In Full balance. For additional information, call the number on the back of your Card.
16. $200 Airline Fee Credit
Enrollment through American Express is required to receive the benet. Basic Card Members on U.S. Consumer and Corporate Platinum Card Accounts can enroll in the benet by making their airline
selection in the Benets section of their americanexpress.com online account or by calling us. Enrolled Basic Card Members on U.S. Consumer Platinum and U.S. Corporate Platinum Card Accounts
are eligible to receive up to $200 in statement credits per calendar year for incidental airline fees charged by their one selected qualifying airline to the enrolled Card Account. Purchases by both the
Basic Card Member and Additional Card Members on the enrolled Card Account are eligible for statement credits. However, the total amount of statement credits will not exceed $200 per calendar
year, per Card Account. To receive statement credits, the Basic Card Member must select one qualifying airline through their American Express Online Account or the link for their Card below:
https://global.americanexpress.com/card-benets/enroll/airline-fee-credit/morgan-stanley-platinum-card
Qualifying airlines include Alaska Airlines, American Airlines, Delta Airlines, Hawaiian Airlines, JetBlue Airways, Spirit Airlines, Southwest Airlines, and United Airlines, and are subject to change. Only
the Basic Card Member or Authorized Account Manager(s) on the Card Account can select the qualifying airline. Card Members who have not chosen one qualifying airline will be able to do so at any
time. Card Members who have already selected one qualifying airline will be able to change their choice one time each year in January through their American Express Online Account or by calling
the number on the back of the Card. Card Members who do not change their airline selection will remain with their current airline. Incidental airline fees must be separate charges from airline ticket
charges. Fees not charged by the Card Member’s selected airline (e.g. wireless internet and fees incurred with airline alliance partners) do not qualify for statement credits. Incidental airline fees
charged prior to selection of a qualifying airline are not eligible for statement credits. Airline tickets, upgrades, mileage points purchases, mileage points transfer fees, gift cards, duty free purchases,
and award tickets are not deemed to be incidental fees. The airline must submit the charge under the appropriate merchant code, industry code, or required service or product identier for the charge
to be recognized as an incidental air travel fee.
Please allow 6-8 weeks after the qualifying incidental air travel fee is charged to your Card Account for statement credit(s) to be posted to the Account. American Express relies on airlines to submit
the correct information on airline transactions, so please call the number on the back of the Card if statement credits have not posted after 8 weeks from the date of purchase. Card Members remain
responsible for timely payment of all charges. Statement credits may be reversed if an eligible purchase is returned/cancelled. To be eligible for this benet, Card Account(s) must be not canceled and
not past due at the time of statement credit fulllment. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming
in connection with this benet, American Express will not have an obligation to provide statement credits and may reverse any statement credits provided to you. If a charge for an eligible purchase is
included in a Pay Over Time feature balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time feature balance. Instead, the statement
credit may be applied to your Pay In Full balance. For additional information, call the number on the back of your Card.
17. $189 CLEAR® Plus Credit
Basic Card Members can earn up to $189 in statement credits per calendar year when the Platinum Card® from American Express Exclusively for Morgan Stanley or Additional Cards on the Account
are used to pay for an annual CLEAR® Plus Membership. Enrollment in CLEAR Plus is required and is subject to CLEAR’s terms and conditions. You may not receive this benet if your purchase is
made within 24 hours of account opening. CLEAR Plus Memberships automatically renew each year unless canceled and CLEAR will charge the applicable Membership fee to the Card CLEAR has
on le. American Express has no control over the application and/or approval process for CLEAR, and does not have access to any information provided to CLEAR by the Card Member or by CLEAR
to the Card Member. American Express has no liability regarding the CLEAR program. If a Card Member's application is not approved by CLEAR, CLEAR will refund the charges. If the statement
credit benet has been applied before CLEAR refunds the charges, that statement credit will be reversed. Purchases by both the Basic Card Member and any Additional Card Members on the Card
Account are eligible for statement credits. However, the total amount of statement credits for eligible purchases will not exceed $189 across all Cards on the Account per calendar year. For additional
information on the CLEAR program, including information regarding Membership, eligibility, and for a list of participating locations, as well as the full terms and conditions of the program, please go
to www.clearme.com. The CLEAR program is subject to change, and American Express has no control over those changes. Please allow up to 6-8 weeks after a qualifying CLEAR transaction is charged
to the Card Account for the statement credit to be posted to the Account. American Express relies on accurate transaction data to identify eligible CLEAR Plus purchases. If you do not see a credit
for a qualifying purchase on your eligible Card after 8 weeks, please call the number on the back of your Card. Card Members remain responsible for timely payment of all CLEAR charges. American
Express relies on the merchant’s processing of transactions to determine the transaction date. The transaction date may dier from the date you made the purchase if, for example, there is a delay in
the merchant submitting the transaction to us or if the merchant uses another date as the transaction date. This means that in some cases your purchase may not earn the statement credit benet
for the benet period in which you made the purchase. For example, if an eligible purchase is made on December 31st but the merchant processes the transaction such that it is identied to American
Express as occurring on January 1st, then the statement credit available in the next calendar year will be applied. If you are assigned a new Card number or have a Card number on le with CLEAR that
is outdated (for example, if you replace your Card or if your Card has expired), you must update your Card information on le with CLEAR to help ensure that statement credits are received for eligible
CLEAR Plus Membership fees. If the Card Account is canceled or past due, it may not qualify to receive a statement credit. If a charge for an eligible purchase is included in a Pay Over Time feature
balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time feature balance. Instead, the statement credit may be applied to your Pay In
Full balance. For additional information, call the number on the back of your Card.
18. Concierge
American Express Concierge may perform select services at your request and on your behalf that are limited to: (i) purchasing of available event tickets, (ii) making of available dining or other
reservations (which may include, for example, spa or golf), (iii) general travel-related inquiries, and (iv) shopping requests (which may include, for example, sending of owers or gifts); in each case,
as deemed reasonable by American Express. You are responsible for all purchases and associated taxes and fees (including, without limitation, shipping fees) that Concierge makes at your request
and on your behalf. You acknowledge that if you make a request through Concierge: (i) American Express is placing that request on your behalf, and (ii) the goods and/or services you requested will
be provided by third parties and American Express is not liable for any injury to person or property caused by such third parties or the goods and/or services requested. American Express reserves
the right to note your preferences (which may include, for example, ower preferences or tee times) for servicing and marketing purposes, but is not responsible for notifying a restaurant of any food
allergies or any other dietary restrictions or preferences when making dining reservations.
The Platinum Card® from American Express exclusively for Morgan Stanley is only available for clients who have an Eligible Account (as dened below) with Morgan Stanley Smith Barney LLC.
The Morgan Stanley Blue Cash Preferred® Card is only available for clients who have an Eligible Account with Morgan Stanley Smith Barney LLC including a brokerage account with Morgan Stanley
Smith Barney LLC or a brokerage account with E*Trade from Morgan Stanley.
An “Eligible Account” is a brokerage account (i) held in your name, (ii) held by a trust where you are both the grantor and trustee of such trust , or (iii) held as a benecial owner of a personal holding
company, a non-operating limited liability company, a non-operating limited partnership, or a similar legal entity. E*Trade from Morgan Stanley accounts are not considered Eligible Accounts for the
purposes of eligibility for The Platinum Card from American Express exclusively for Morgan Stanley. Eligibility is subject to change. American Express may cancel your Card Account and participation
in this program, if you do not maintain an Eligible Account.
The Morgan Stanley Cards from American Express are issued by American Express National Bank, not Morgan Stanley Smith Barney LLC. Services and rewards for the Cards are provided by Morgan
Stanley Smith Barney LLC, American Express or other third parties. Restrictions and other limitations apply. See the terms and conditions for the Cards for details. Clients are urged to review fully
before applying.
Morgan Stanley, its aliates, and Morgan Stanley Financial Advisors and employees are not in the business of providing tax or legal advice. Clients should speak with their tax advisor regarding the
potential tax implications of the Rewards Program upon their specic circumstances.
The Platinum Card® from American Express Exclusively for Morgan Stanley is issued by American Express National Bank. ©2024 American Express National Bank.
Morgan Stanley Blue Cash Preferred® American Express Card is issued by American Express National Bank. ©2024 American Express National Bank.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and
other third parties to assist in oering certain banking related products and services.
Investment, insurance and annuity products oered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK
DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
©2024 Morgan Stanley Smith Barney LLC. Member SIPC.
