Platinum (Morgan Stanley) vs Platinum (Schwab)
Platinum (Morgan Stanley)
$895/yr
5.5/10
VS
Platinum (Schwab)
$895/yr
5.5/10
Quick Answer
Platinum (Morgan Stanley) charges $895/yr with 1X base rewards. Platinum (Schwab) charges $895/yr with 1X base rewards. Platinum (Morgan Stanley) offers a slight edge depending on your spending when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Platinum (Morgan Stanley)
Lower annual fee ($895 vs $895)
Rewards Earning
Platinum (Morgan Stanley)
3 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Statement Credits
Platinum (Morgan Stanley)
$1439 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Platinum (Morgan Stanley) edges ahead
Better rewards and benefits at the same fee level.
Apply for Platinum (Morgan Stanley)PREMIUM PICK
Platinum (Schwab) is a strong alternative
Competitive features make it worth considering.
Apply for Platinum (Schwab)Rewards Earning: Detailed Comparison
Platinum (Morgan Stanley)
| Flights (Amex Travel) | 5.0X |
| Hotels (Amex Travel) | 5.0X |
| Everything else | 1.0X |
Platinum (Schwab)
| Flights (Amex Travel) | 5.0X |
| Hotels (Amex Travel) | 5.0X |
| Everything else | 1.0X |