American Express · American Express

Annual fee

$95 · $0 first year

Rewards

Cash back

Earn rates

• 6% U.S. supermarkets (up to $6,000/yr) — At U.S. Supermarkets on up to $6,000 per year in purchases, then it's 1%.
• 6% Select U.S. streaming subscriptions — Page states 6% on select U.S. streaming subscriptions; no cap stated.
• 3% U.S. gas stations and transit — Includes taxis, rideshare, parking, tolls, trains, buses, and more; no cap stated.

Foreign transaction fee

2.7%

Purchase APR

19.49%–28.49% variable

Issuer rules

• Only available to clients with an Eligible Account with Morgan Stanley Smith Barney LLC (which includes E*TRADE from Morgan Stanley) or Morgan Stanley Private Bank, National Association; American Express may cancel the Card Account if you do not maintain an Eligible Account.
• Applicants must be individuals 18 years of age or over with a valid U.S. home address (including U.S. territories and Puerto Rico) and an eligible Morgan Stanley or E*TRADE from Morgan Stanley account.
• An existing American Express Card cannot be converted; a new application and approval are required.
• 0% introductory APRs and introductory plan fees are not available to applicants who have or have had this Card.
• Balance transfers must be requested within 60 days of account opening; up to two requests, eligible amount not more than $7,500, minimum $100.

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