Morgan Stanley Bank Credit Cards

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.

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.

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 only Morgan Stanley credit card without a foreign transaction fee is the Platinum Card from American Express Exclusively for Morgan Stanley. To qualify for it, you must have an open Morgan Stanley account with at least $5,000 in assets and meet the credit score requirements.

Alternatively, the Morgan Stanley Debit Card 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. 

You can reach the Morgan Stanley Credit Card customer service by calling 800-528-4800.

The mailing address is:

American Express, P.O. Box 981535, El Paso, TX 79998-1535

Lastly, you can email Morgan Stanley here.

The Morgan Stanley credit card cash advance fee is 5% (min $10). There is no grace period on cash advances, so daily interest charges begin piling up immediately.

Cash advances are expensive, so it's best to avoid them.