Morgan Stanley Blue Cash Preferred Card
Premium Cash Back for Morgan Stanley Clients
Exclusively for Morgan Stanley account holders. Earn 6% cash back at U.S. supermarkets and on select streaming services, 3% on gas and transit, plus an exclusive $100 annual statement credit after $15,000 spend and $120 Disney credit. The perks easily offset the $95 annual fee.
- Annual Fee
- $95
- cash back · Welcome Bonus
- $250
- Top Rate
- 6%
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $95
- Foreign Transaction Fee
- $0
- Network
- —
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Excellent
Welcome Offer
Bonus: $250 cash back
Spend: $3,000
Period: 6 months
Earning Rates
- 6%
Grocery Stores
Earn 6% cash back at U.S. supermarkets on up to $6,000 per calendar year in purchases (then 1%).
Cap: $6,000/annual
- 6%
Streaming
Earn 6% cash back on select U.S. streaming subscriptions.
- 3%
Gas Stations
Earn 3% cash back at U.S. gas stations.
- 3%
Ridesharing
Earn 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
- 3%
Transit
Earn 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
Earning Scenarios
Industry-Leading 6% at Supermarkets
No credit card offers a higher earning rate on groceries. Shop at your favorite U.S. supermarkets and earn 6% cash back on your everyday grocery purchases.
Spend $500/month on groceries = $360 cash back per year (up to $6K annual spend cap)
6% Cash Back on Entertainment
Your streaming subscriptions just got more rewarding. Earn 6% cash back on Netflix, Spotify, YouTube Premium, Disney+, Hulu, and dozens more eligible services.
Spend $50/month on streaming = $36 cash back per year with no limit
Fuel Your Savings with 3% Back
Every fill-up earns you 3% cash back at U.S. gas stations with no annual limit. Daily commuters and weekend road-trippers both benefit from unlimited rewards.
Spend $200/month on gas = $72 cash back per year
3% on Every Mile
From rideshare to public transit, parking to tolls—earn 3% cash back on all your transportation spending with no annual cap.
Spend $150/month on transit = $54 cash back per year
Benefits & Perks
Annual Credits & Statement Credits
3 creditsUp to
$220
in recurring credits (annual) · Plus $100 first-year / eligibility-dependent
1 credit listed below has no stated dollar amount and is not counted in this total.
0% Intro APR for 12 months
No interest on purchases and balance transfers for the first 12 months, then 19.49%-28.49% variable APR
—
Annual
$100 annual statement credit
$100 statement credit every year after spending $15,000 on eligible purchases
$100
Annual
$10/mo Disney Streaming Credit
Get up to $120 back annually for eligible Disney+, Hulu, or ESPN+ subscriptions purchased directly with your card
$10
Monthly
Insurance & Protections
6 protectionsZero liability protection on fraudulent charges
You're not responsible for unauthorized charges. Amex covers 100% of fraudulent transactions when reported promptly.
$1,000 purchase protection per item
$1,000
Coverage for eligible purchases against theft or accidental damage for 90 days from purchase date, up to $1,000 per item
$300 return protection per eligible item
$300
Up to $300 per item ($1,000 per year) reimbursement when merchants won't accept returns within 90 days
Extended Warranty up to one year
Extends manufacturer's warranty up to 1 additional year on eligible purchases with original warranties of 5 years or less
Global Assist® Hotline
Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 medical, legal, financial and other select emergency...
Show all 6 protectionsShow fewer protections
Car Rental Loss and Damage Insurance
Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and...
Reviews & Analysis
Third-Party Rankings & Ratings
How It Compares
Premium cash back card exclusive to Morgan Stanley clients. 6% on groceries (up to $6K/year) and streaming (unlimited). Exclusive $100 annual credit after $15K spend sets it apart from the regular Blue Cash Preferred. $120 Disney credit helps offset $95 annual fee.
The Math: Is $95 Worth It?
First-year value includes $250 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$192
Annual Fee
-$95
Net Annual Value
+$37
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Amex 2/90 | You'll be declined if you apply for a third Amex card in 90 days |
| Amex 4 Credit | Amex will decline your application if you already have 5 credit cards (not charge) and apply for a sixth |
| Amex Family | If you have received a signup bonus from a higher tiered card, you are ineligible to receive a bonus from a lower tiered card in that same card family |
| Amex 1/7 | Amex allows only 1 bonus per specific card every 7 years (yours or that version of the card) |
| Amex Popup Jail | After you apply, Amex may show a pop-up saying you're ineligible for the welcome bonus |
Payment Terms
| Purchase APR | 19.74%–28.74% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Video Reviews
8 videosAmerican Express Lesser Known Rule You NEED to Know (American Express Family Rules)
Amex Blue Cash Preferred - The Best Grocery Credit Card
Amex BCP For Morgan Stanley + Venture X Denials & Goldman Sachs New Card? - Weekly Recap
Reviewing The Amex Cards From Morgan Stanley - Are They Worth It?
AMEX Blue Cash Preferred: 1 Year Review. Worth It?
Morgan Stanley Blue Cash Preferred American Express Card – My Honest Review & Real User Experience
Just Released Today! The Exclusive Morgan Stanley Blue Cash Preferred American Express Card
Third-Party Articles & Reviews
Morgan Stanley Blue Cash Preferred® American Express Card
Detailed card overview with current welcome bonus offer, earning rates, application tips, and comparison to related Amex cash back cards.
Morgan Stanley Blue Cash American Express Card Review: Investors Can Earn Big On Groceries
Comprehensive review covering the card's 6% cash back on groceries and streaming, exclusive $100 annual statement credit for $15K spend, and comparison to the standard Blue Cash Preferred card.
Morgan Stanley Blue Cash Preferred Card Benefits
Official Amex page detailing all card benefits and rewards, including purchase protection, extended warranty, return protection, and exclusive Amex Offers.
Morgan Stanley Blue Cash Preferred Application Process
Official application page for Morgan Stanley clients with E*TRADE or Morgan Stanley brokerage accounts, detailing eligibility requirements and current offers.
E*TRADE Morgan Stanley Blue Cash Preferred Landing Page
E*TRADE's landing page for the Morgan Stanley Blue Cash Preferred card, highlighting benefits for E*TRADE and Morgan Stanley brokerage account holders.
Reviewing The Amex Cards From Morgan Stanley - Are They Worth It?
Video review comparing the Morgan Stanley Blue Cash Preferred Amex and the Morgan Stanley Platinum Amex, analyzing costs, benefits, and overall value for Morgan Stanley clients.
American Express Blue Cash Preferred Review
NerdWallet's review of the Blue Cash Preferred card family, including the Morgan Stanley version with its nearly identical benefits and exclusive perks for Morgan Stanley clients.
New Morgan Stanley Amex Blue Cash Preferred Card Launches
Launch announcement covering the new card's welcome bonus, rewards structure, and exclusive $100 annual statement credit benefit for Morgan Stanley clients who spend $15K annually.
Morgan Stanley Blue Cash Preferred Discussion
Community discussion on the Morgan Stanley version of the Blue Cash Preferred, covering real user experiences, spending strategies, and value comparisons to the standard version.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Multiple card facts | |
| American Express | American Express |
