Does the Amex Morgan Stanley Blue have an annual fee?

No. Our record lists a $0 annual fee for the Amex Morgan Stanley Blue.

Is the Amex Morgan Stanley Blue worth it in the first year?

Using our illustration ($12,000 of yearly spending), the first year comes out around $120 before credits, including a welcome bonus valued at $0. Year two drops to about $120 before credits.

What credit do I need for the Amex Morgan Stanley Blue?

Our record lists "Good" credit as the typical target for the Amex Morgan Stanley Blue. American Express makes the final decision based on its own criteria.

Amex Morgan Stanley Blue

American Express

No Annual Fee

Annual Fee

amexGoodno-annual-fee16 days ago

Welcome Offer

(≈ $250)Spend $3,000 within 6 months

View American Express Referral Offers

The link opens on the Platinum Card first. Use the Amex page to view currently eligible personal and business cards. Not every Amex product is necessarily included, and offers and eligibility may vary. The referrer may receive a reward if you are approved; this does not influence OpenCard's evaluation.

Full referral terms

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OpenCard analysis

Is the Amex Morgan Stanley Blue right for you?

The Amex Morgan Stanley Blue is a no-annual-fee cash-back card from American Express. It earns a flat 1% on purchases. With no fee, it only needs to beat the flat rate your current card already pays.

Who it's for

✓ Anyone who wants flat-rate rewards without paying an annual fee
✓ People who want one rate (1%) everywhere without tracking categories

First-year value estimate

Welcome bonus

Rewards on spending

$120

Annual fee (year 1)

−$0

Year 1, before credits

$120

Year two, without the welcome bonus: about $120 before credits ($120 in rewards minus the $0 fee).

Assumptions

$12,000 a year of purchases at 1%, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-10-03.

How it compares

Bank of America Travel Rewards →

Bank of America, same $0 annual fee; earns 1.5% on everything.

Capital One Quicksilver Cash Rewards →

Capital One, same $0 annual fee; earns 1.5% on everything.

Chase Disney Visa →

Chase, same $0 annual fee; earns 1% on everything.

Compare side by side →

Rules and gotchas

The welcome bonus requires $3,000 in 6 months — roughly $500 a month. That fits inside the $1,000 a month in our illustration.

Frequently asked questions

Does the Amex Morgan Stanley Blue have an annual fee?: No. Our record lists a $0 annual fee for the Amex Morgan Stanley Blue.
What does the Amex Morgan Stanley Blue earn?: A flat 1% on purchases.
Is the Amex Morgan Stanley Blue worth it in the first year?: Using our illustration ($12,000 of yearly spending), the first year comes out around $120 before credits, including a welcome bonus valued at $0. Year two drops to about $120 before credits.
What credit do I need for the Amex Morgan Stanley Blue?: Our record lists "Good" credit as the typical target for the Amex Morgan Stanley Blue. American Express makes the final decision based on its own criteria.

Earning Rates

1×All Purchases

Insurance

Sources

https://www.uscreditcardguide.com/amex-blue-cash-preferred-for-morgan-stanley/

Last Updated: Oct 3, 2026