A credit score of 750 or higher is needed for the Morgan Stanley credit cards. That is considered “excellent” credit. Both the The Morgan Stanley Credit Card and the co-branded Morgan Stanley American Express Platinum Card have the same credit score requirement.
Keep in mind, though, that your credit score isn’t the only factor the issuer takes into account while considering your application; the outcome also depends on your credit history, income and any potential debts you might have.
If you’re not sure what credit category you fall in, make sure to check your credit score for free before applying for any credit card. It will give you a better idea of your approval odds before you get a hard pull on your credit report from a credit application.
The Morgan Stanley Credit Card from American Express is a black card, but only in terms of color. It has no relation to the Amex Centurion Card (the most famous “black card” out there). So the Morgan Stanley version is not quite as exclusive as some “black cards,” but you will still need excellent credit to get approved.… read full answer
The Morgan Stanley Credit Card offers 10,000 points for spending $1,000 in the first 3 months, plus an anniversary bonus of $100 every year you spend at least $25,000 on the card. You’ll earn 1 - 2 points / $1 spent normally, and there’s no annual fee.
The other Morgan Stanley card is a special Morgan Stanley version of the Amex Platinum Card, which is silver in color.
Alternatively, the Morgan Stanley Debit Card… read full answer doesn't have a foreign transaction fee if you qualify for Premier Cash Management. You must have $2,500+ in total direct deposit and five or more qualifying cash management transactions or $50,000 in average daily cash balance and twenty or more qualifying cash management transactions.
You can learn about the Premier Cash Management program here.
The American Express Platinum card credit score requirement isn’t the only thing that determines whether you’ll be approved, though. Your credit history, income and any debt you’re carrying will also play a role in your approval odds. In fact, reports around the internet suggest you can get approved with slightly lower credit score if you have high enough income.
To gauge your odds of approval, you can also check to see whether you pre-qualify for American Express Platinum card offers. Unlike an actual application, pre-qualification is only based on a soft inquiry on your credit report, and does not affect your credit score. Just keep in mind that while pre-qualification indicates good odds of approval, it does not guarantee it.
If you don’t meet the American Express Platinum card credit score requirement, there are plenty of other credit cards you can get. They likely won’t be from American Express, though, since Amex cards require good or excellent credit. The best credit cards for fair credit also have rewards that fit various spending habits. Once you get a credit card, be sure to make all of your payments on time, and try to keep your credit utilization below 30%. This will help raise your credit score so you can get approved for a card like American Express Platinum card in the future.
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