Morgan Stanley Blue Cash Preferred American Express Card: A Cash-Back Card for Brokerage Clients

The Morgan Stanley Blue Cash Preferred American Express Card is a cash-back card designed specifically for brokerage clients. It offers a 3% cash-back reward on purchases in categories like gas stations, grocery stores, and select US streaming services, with no rotating categories or spending limits.

This card is a great option for those who frequently make purchases in these categories, as the rewards can add up quickly. The card also offers a 6% cash-back reward on purchases in select US streaming services, such as Netflix and Hulu.

The card's rewards structure is straightforward and easy to understand, making it a great choice for those who want to earn cash back without a lot of hassle. The card also offers a $0 annual fee for the first year, which can be a nice perk for those who want to try out the card without committing to a fee.

For another approach, see: Aspire Cash Back Reward Card Image

The Morgan Stanley Blue Cash Preferred American Express Card has some fantastic cash-back rates, especially if you have high expenses in certain categories.

You can earn 6% cash-back at U.S. supermarkets on up to $6,000 per year in purchases. This can translate to up to $360 in cash-back each year, if your spending meets the $6,000 threshold.

The card also offers 6% cash-back on select U.S. streaming subscriptions, including popular services like Netflix, Hulu, and Spotify.

You can earn 3% cash-back at U.S. gas stations and on transit, including taxis, rideshare, parking, tolls, trains, and buses.

Other purchases will earn 1% cash-back.

Here are the card's cash-back rates at a glance:

The card also offers a $250 statement credit after you spend $3,000 in eligible purchases within the first 6 months.

The Morgan Stanley Blue Cash Preferred American Express Card has a range of benefits and features that make it a compelling choice for cash-back enthusiasts.

Cardholders receive a statement credit of up to $100 every year after spending $15,000 on eligible purchases, which effectively offsets the card's annual fee.

You'll also get up to $120 annual Equinox+ credit, secondary rental car insurance, return protection of up to $300 per item and a maximum of $1,000 per year, and access to Amex Offers.

The card's rewards structure is designed to maximize cash-back earnings, with 6% cash-back at U.S. supermarkets on up to $6,000 per year in purchases, 6% cash-back on select U.S. streaming subscriptions, 3% cash-back at U.S. gas stations and on transit, and 1% cash-back on all other purchases.

Here's a breakdown of the card's rewards rates:

One of the card's standout features is its welcome offer: earn a $400 statement credit after you spend $3,000 on eligible purchases within the first six months of card membership.

The card also comes with a 0% intro APR on purchases and balance transfers for 12 months from the date of account opening, followed by a variable APR.

If you're considering applying for the Morgan Stanley Blue Cash Preferred American Express Card, it's essential to understand its benefits and how they align with your spending habits. This card is ideal for individuals who want to earn maximum returns on everyday purchases.

The card offers a range of rewards, including 6% cash back at US supermarkets on up to $6,000 per year in purchases, then 1% afterward. This means you can earn a significant amount of cash back on your grocery bills.

Card highlights include an exclusive Morgan Stanley Benefit, which provides a $100 statement credit every year after spending $15,000 on eligible purchases. Additionally, you'll receive 6% cash back on select US streaming subscriptions, 3% cash back at US gas stations and on transit, and 1% cash back on all other purchases.

To give you a better idea of the card's rewards potential, consider the example of someone who spends $350 on groceries at U.S. supermarkets, $50 on select U.S. streaming service subscriptions, $100 on transit, and $100 at U.S. gas stations each month. They would earn annual cash-back rewards equivalent to $360, which is more than three times the cost of the annual fee.

Here's a summary of the card's benefits:

Ultimately, the Morgan Stanley Blue Cash Preferred American Express Card is a great option for individuals who can maximize its rewards potential through their everyday spending habits.