Morgan Stanley Blue Cash Preferred® American Express Card

The Morgan Stanley Blue Cash Preferred® Card is only available for E*TRADE from Morgan Stanley or Morgan Stanley clients who have an Eligible Account with Morgan Stanley Smith Barney LLC, or its eligible affiliates. An “Eligible Account” is a brokerage account (i) held in your name, (ii) held by a trust where you are the trustee of such trust, or (iii) held as a beneficial owner of a sole proprietorship, or a similar legal entity, (iv) certain Portfolio Margin accounts, or (v) certain retirement accounts. 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.

Individuals 18 years of age or over with a valid U.S. home address (including in the U.S. territories and Puerto Rico) and an eligible Morgan Stanley or E*TRADE from Morgan Stanley account may apply for a Card account. If you don't have an eligible E*TRADE from Morgan Stanley or Morgan Stanley account, you can open one by calling 800-387-2331 if your account is held at E*TRADE from Morgan Stanley or contacting your Morgan Stanley team if your account is held at Morgan Stanley.

Exclusively with the Morgan Stanley Blue Cash Preferred® Card, you can enjoy a $100 statement credit every year after spending $15,000 on eligible purchases on the Card per calendar year.

If, in any calendar year, the total eligible purchases charged to your Morgan Stanley Blue Cash Preferred® American Express 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 first year of Card Membership, the Card Member's eligibility period for the $100 Statement Credit may be less than twelve months. The benefit 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, 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 benefit (for example, if you do not maintain an eligible Card Account for the duration of the calendar year).

The Morgan Stanley Cards from American Express are issued by American Express National Bank, not Morgan Stanley Private Bank, National Association, Morgan Stanley Bank, N.A., Morgan Stanley Smith Barney LLC, nor E*TRADE from Morgan Stanley. 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.

Please note that Morgan Stanley Private Bank, National Association, Morgan Stanley Bank, N.A., Morgan Stanley Smith Barney LLC, or E*TRADE from Morgan Stanley, are not involved with any credit decision, or in the approval process, for any applicant for the Card.

No. You will need to submit a new application and be approved for the new Morgan Stanley Blue Cash Preferred® American Express Card.

For servicing-related questions about your Card account, call the number on the back of your Card.