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Morgan Stanley Blue Cash Preferred® from American Express® Review

Morgan Stanley Blue Cash Preferred® from American Express® — all information about the credit card.

Updated March 04, 2024
Advertiser Disclosure Our Methodology
American Express® Morgan Stanley Blue Cash Preferred®
Our Rating:
5 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • $100 Statement credit after spending $15,000 on eligible purchases per calendar year on the Morgan Stanley Blue Cash Preferred Card.
    • 6% Cash Back at U.S. Supermarkets up to $6,000 spent on eligible purchases per year (1% thereafter).
  • Intro Offer:
    • $250 Back after you spend $3,000 in purchases on your new Card within the first six months of Card Membership. You will receive the $400 back in the form of a statement credit.
  • Annual Fee:
    $0 intro annual fee for the first year
    $95 thereafter
  • Purchase Intro APR:
    0% Introductory APR for the first 12 months from the date of account opening
  • Regular APR:
    19.24% - 29.99% Variable
  • Balance Transfer APR:
    19.24% - 29.99% Variable
Show more

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American Express® Morgan Stanley Blue Cash Preferred® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
6%
Supermarkets
$
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All benefits

  • Cash back
    • 6% At U.S. Supermarkets up to $6,000 spent on eligible purchases per year (1% thereafter).

Rate and fee information

  • Purchase Intro APR
    • 0% Introductory APR for the first 12 months from the date of account opening
  • Purchase APR
    • 19.24% - 29.99% Variable
  • Intro Balance Transfer APR
    • 0% Introductory APR for the first 12 months from the date of account opening on balance transfers requested within 60 days of account opening
  • Balance Transfers APR
    • 19.24% - 29.99% Variable
  • APR for Cash Advances
    • 29.99% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing period. You will not be charged interest on purchases if you pay each month your entire balance (or if you have a plan outstanding, your balance adjusted for plans) by the due date. You will be charged interest on cash advances on the transaction date.

Fees

  • Annual Fee
    • $0 intro annual fee for the first year
      $95 thereafter
  • Fees for Balance Transfer
    • Either $5 or 3% of the amount of each transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty Fees
    • 29.99%
  • Return Payment
    • Up to $40
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • Intro APR period on purchases
Cons:
  • Foreign Transaction Fee

Features

Classic
American Express
Contactless
  • 0% Intro APR
  • Cashback
  • Payment Flexibility
  • Rewards
  • Good Credit
  • Excellent Credit

About the issuer

American Express®
American Express® has several card types depending on your needs.
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See Another Credit Cards in the Bank

American Express® Morgan Stanley Blue Cash Preferred® is an option for those, who need Classic features. With an APR of 19.24% - 29.99% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With American Express® Morgan Stanley Blue Cash Preferred® you will get such features as 0% Intro APR, Cashback, Payment Flexibility, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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