Morgan Stanley Blue Cash Preferred® American Express Card

Now that E*TRADE has joined forces with Morgan Stanley, you may have access to an even broader array of financial products and services designed to help you spend smarter.

Exclusive opportunity for E*TRADE customers who qualify

Take advantage of a generous welcome offer with the Morgan Stanley Blue Cash Preferred® American Express Card, issued by American Express.

  • Earn $400 back after you spend $3,000 on eligible purchases on your new Card within the first six months of Card Membership. You will receive the $400 back in the form of a statement credit.

  • $0 intro annual fee for the first year, then $95 per year thereafter.¤†

  • 0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable APR, 17.74% to 28.74%.†ǂ¤

Apply now

$100 annual statement credit

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

Earn cash back

Earn generous cash back on eligible purchases in the form of Reward Dollars that can be redeemed as a statement credit.ǂ

Even more benefits

Exclusive access to ticket presalesǂ and card member-only events.ǂ

Reward your daily routine

Groceries

6% cash back

At U.S. supermarkets on up to $6,000 per year in purchases, then it’s 1%.ǂ

Streaming

6% cash back

On select U.S. streaming subscriptions. Get rewarded for watching your favorite shows.ǂ

Gas and transit

3% cash back

At U.S. gas stations and on transit, including taxis, rideshare, parking, tolls, trains, buses, and more.ǂ

Other purchases

1% cash back

Received in the form of Reward Dollars that can be redeemed as a statement credit.ǂ

In addition to waiving your introductory annual fee¤ for your first year, you can get $400 back

Earn $400 back after you spend $3,000 on eligible purchases on your new Card within the first six months of Card Membership.
You will receive the $400 back in the form of a statement credit.

Enjoy valuable benefits

Global Assist Hotline

Global Assist® Hotlineǂ

Sometimes the unexpected happens when you travel

Traveling more than 100 miles from home? With just a phone call, get customs information, coordination and assistance services such as lost passport replacement assistance, translation services, missing luggage assistance, and emergency legal and medical referrals. Card members are responsible for costs charged by third-party service providers.

Pay It Plan It

Pay It Plan It®

Control how you pay and still earn rewards

Pay It®: Tap a purchase under $100 in the app to quickly pay off the purchases amount.ǂ

Plan It®: Select purchases of $100 or more and split them up into monthly payments with a fixed monthly fee and no interest.ǂ¤

American Express Experiences

American Express Experiences

Explore the latest entertainment access

Stay in the know with exclusive access to ticket presalesǂ and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.ǂ

For more information, please visit americanexpress.com/entertainment.

FAQs

Who is eligible?

The Morgan Stanley Blue Cash Preferred® Card is only available for E*TRADE or Morgan Stanley clients who have an Eligible Account with Morgan Stanley Smith Barney LLC, or its eligible affiliates, including but not limited to E*TRADE Securities LLC. 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.

What are exclusive benefits that Morgan Stanley clients can get if they sign up for the Morgan Stanley Blue Cash Preferred® American Express Card?

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).

Is American Express, Morgan Stanley, or E*TRADE from Morgan Stanley the issuer of the Card?

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.

I already have an American Express Card. Can this Card be converted to a Morgan Stanley Blue Cash Preferred® American Express Card?

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

If I need help with my Morgan Stanley Blue Cash Preferred® Card, what number should I call?

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

E*TRADE clients with an eligible brokerage account can apply for the Morgan Stanley Blue Cash Preferred® Card.

In addition to waiving your introductory annual fee¤ for your first year, you can get $400 back

Earn $400 back after you spend $3,000 on eligible purchases on your new Card within the first six months of Card Membership.
You will receive the $400 back in the form of a statement credit.