Platinum (Morgan Stanley)

Credit Card Offer

Advanced

Sign-Up Bonus Value

$800(80,000 american express points)

Requirement

$8,000 spend in 6 months

Time to Complete

180 days

Year 1 Value

Sign-up Bonus$800

Ongoing Rewards (est.)$979

Annual Fee-$895

Net Year 1 Value$884

Year 2+ Ongoing Value

Ongoing Rewards (est.)$999

Annual Fee-$895

Net Year 2 Value$104

Values are estimated based on publicly available offer terms and typical spending patterns. Actual value depends on your spending habits, redemption methods, and eligibility. Point values use standard transfer partner valuations.

Offer Details

Annual Fee

$895

Rewards Rate

1% on all purchases

Credit Score Needed

Excellent

Best For

Other

Credit Impact

Medium

Spending Timeframe

6 months

Difficulty

Advanced

Verification

Source

scraped

Last Verified

Jun 22, 2026

Bonus Value

$800

$895/yr fee

Clicking "Apply Now" takes you to American Express's website. BonusMax AI does not process applications.

Quick Facts

180 days to complete
Advanced difficulty
$8,000 spend in 6 months
Excellent credit recommended

Offer details may change. Always verify current terms on American Express's official website before applying.

BonusMax AI provides educational financial information only. We are not a financial advisor, bank, or credit card issuer. Offer values are estimates and may differ from actual results. Always review the issuer's terms and conditions before applying.