Amex
Morgan Stanley
Hover to explore — real card art from our catalog
Card review
Morgan Stanley
Amex
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
See issuer
Est. net value
$304/yr
Credit score
Varies
Top earn rate
2x dining
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Morgan Stanley from Amex carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $303.60 in rewards plus $0.00 in credits and perks — $303.60 net per year before welcome bonuses.
How the points work
2X on airfare purchased directly from airlines
2X on purchases at US restaurants
2X on purchases at select US department stores
2X on car rentals purchased directly from select car rental companies
1X on everything else
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| DiningDining | 2× |
| Everything elseDepartment Stores | 2× |
| Everything elseCar rentals | 2× |
| Everything elseAirfare | 2× |
| Everything elseAll Purchases | 1× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- ShopRunner
Free membership to ShopRunner. Free two-day shipping, free return shipping, special deals and discounts at select retailers.
- Amex Concert Benefits
Access to presales for advance ticket purchases and special preferred seating through Ticketmaster.
- Auto Purchasing Program
Find TrueCar certified dealerships that allow you to purchase vehicles with your card and get special discounts and other perks.
- Amex Offers
Promotions and discounts offered exclusively to card holders.
- Amex Travel
Online travel portal that allows you to book various forms of travel including: flights, hotels, rental cars, cruises, and vacation packages.
Transfer partners
Where this card's points can go, and at what ratio. 13 partners.
- Air Canada Aeroplan1:1
- Air France KLM Flying Blue1:1
- British Airways Avios1:1
- Emirates Skywards1:1
- Iberia Plus1:1
- JetBlue TrueBlue1:1
- Singapore KrisFlyer1:1
- Southwest Rapid Rewards1:1
- United MileagePlus1:1
- Virgin Atlantic Flying Club1:1
- World of Hyatt1:1
- IHG One Rewards1:1
- Marriott Bonvoy1:1
Work out what a transfer is worth in the transfer calculator.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
Confirm net value on a no-annual-fee card.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
Loading calculator…
Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.