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Blue Cash Preferred (Morgan Stanley)

Earn 250 USD signup bonus after you spend $3000 on purchases on your new Card in your first 180 days of Card Membership.


  • $0 introductory annual fee for the first year, then $95 per year thereafter.¤†
  • 0% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable APR, 19.24% to 29.99%.¤
  • Exclusively with the Morgan Stanley Blue Cash Preferred Card, earn a $100 statement credit after spending $15,000 on eligible purchases per calendar year.ǂ
  • Services and rewards for the Cards are provided by Morgan Stanley Smith Barney LLC, American Express, or other third parties.
  • At U.S. supermarkets on up to $6,000 per year in purchases, then it’s 1%.ǂ
  • On select U.S. streaming subscriptions.ǂ
  • At U.S. gas stations and on transit, including taxis, rideshare, parking, tolls, trains, buses, and more.ǂ
  • Earn a $100 statement credit after spending $15,000 on eligible purchases per calendar year on the Card.ǂ
  • Earn $250 back after you spend $3,000 on eligible purchases within the first six months.ǂ
  • $0 introductory annual fee for the first year, then $95 per year thereafter.¤†
  • 0% intro APR on purchases and balance transfers for 12 months.¤
  • Earn a $100 statement credit after spending $15,000 per calendar year.ǂ
  • Receive 24/7 access to Global Assist® Hotline when traveling more than 100 miles from home.‡
  • Pay It® and Plan It® features for payment flexibility.ǂ¤
  • Variable APR after the introductory period can be high, up to 29.99%.¤
  • Annual fee applies after the first year.¤†
  • Eligibility and benefits are contingent on maintaining an Eligible Account with Morgan Stanley.†
  • Only available to individuals with a valid U.S. home address and an eligible Morgan Stanley or E*TRADE from Morgan Stanley account.
  • Morgan Stanley Cards from American Express are issued by American Express National Bank, not affiliated directly with Morgan Stanley entities.