Amazon Business vs Platinum (Morgan Stanley)
Amazon Business
$0/yr
7.0/10
VS
Platinum (Morgan Stanley)
$895/yr
5.5/10
Quick Answer
Amazon Business charges no annual fee with 1X base rewards. Platinum (Morgan Stanley) charges $895/yr with 1X base rewards. Amazon Business offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Amazon Business
Lower annual fee ($0 vs $895)
Rewards Earning
Amazon Business
3 earning categories
Benefits & Protection
Amazon Business
0 benefits vs 0
Statement Credits
Platinum (Morgan Stanley)
$1439 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Amazon Business wins for most people
The $895 fee difference is hard to justify unless you maximize premium benefits.
Apply for Amazon BusinessPREMIUM PICK
Platinum (Morgan Stanley) wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Platinum (Morgan Stanley)Rewards Earning: Detailed Comparison
Amazon Business
| Amazon, AWS, Whole Foods (Pay in Full) | 5.0X |
| Restaurants, gas, office supply stores | 2.0X |
| Everything else | 1.0X |
Platinum (Morgan Stanley)
| Flights (Amex Travel) | 5.0X |
| Hotels (Amex Travel) | 5.0X |
| Everything else | 1.0X |