American Express · American Express

Annual fee

$895

Rewards

Membership Rewards

Earn rates

• 5x Flights booked directly with airlines or through American Express Travel (up to $500,000/yr) — 5X Membership Rewards points on up to $500,000 per calendar year on flights booked directly with airlines or through American Express Travel via AmexTravel.com or by calling 1-800-525-3355.
• 5x Prepaid hotels booked through AmexTravel.com — 5X Membership Rewards points on eligible prepaid hotels booked through AmexTravel.com including Fine Hotels + Resorts and The Hotel Collection.

Foreign transaction fee

None

Purchase APR

19.49%–28.49% variable

Issuer rules

• Available to E*TRADE from Morgan Stanley and Morgan Stanley Private Bank, National Association clients with an eligible brokerage or bank account.
• Welcome offer not available 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; eligibility also depends on your history with American Express and the number of credit cards you have opened and closed.
• Only qualified individuals 18 or over may apply; offer available to US Residents only.
• First Additional Platinum Card is $0 annually; each Additional Platinum Card after the first is $195 annually; Companion Platinum Cards are $0.
• Charge card with a Pay Over Time feature: purchases can be paid in full, carried on Pay Over Time with interest, or split via Plan It with a fixed monthly plan fee of up to 1.33% of each purchase placed in a plan.
• Redeeming Membership Rewards points as deposits to a Morgan Stanley / E*TRADE account requires a "deposit eligible" Morgan Stanley account and is available only to the Basic Card Member.

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