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American Express National Bank

Morgan Stanley Blue Cash Preferred® American Express Card

This credit card is recommended for people with the following credit scores: 720+

Nationwide
Availability
Eligibility requirements
  • Must have an eligible Morgan Stanley or E*Trade brokerage account

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Purchase interest rate and fees

19.24% – 29.99%* Purchase APR

*As of . Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score Median purchase APR Comparison to other cards
720+ 24.24%
2 dollar sign symbols
Pay average interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

0% for 12 months Introductory APR

If a card has promotional interest, ensure you’re on track to pay off the balance within the promotional period, or you could end up owing more in interest than the original purchase amount. Learn more about introductory APR offers.

Foreign transaction fee
2.7% of each purchase
Minimum finance charge
No minimum interest payment is required to avoid additional fees
Grace period
25 days until interest begins to accrue on purchases
Balance computation method
Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index
The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$95 Annual fee
Late fee
$29 for the first late payment and $40 for a late payment within six billing cycles of another late payment
Over-limit fee
None
Returned Payment
$29 (Fee for a payment that is returned unpaid)
Plan Fee
None (A monthly fee up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.)

Rewards and perks

Cash back Rewards
Services
  • Access to Free Credit Scores
  • Automobile rental insurance
  • Discounts on purchases of goods and services (non travel related)
  • Extension on manufacturer’s warranty
  • - 6% Cash back on US Supermarkets - 6% Cash Back on US Streaming - 3% Cash Back on transit - 3% Cash Back on US Gas Stations - 1% Cash Back on other purchases - 0% Intro - $84 Disney Bundle Credit - American Express Access - American Express Early Acce
Card features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

0%* Balance transfer APR for 12 months
+
3% ($5 minimum) Balance transfer fee

*As of . Advertised balance transfer APRs change over time. Check rates before applying.

After 12 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

29.99%* Cash advance APR
+
5% ($10 minimum) Cash advance fee

*As of . Advertised cash advance APRs change over time. Check rates before applying.

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.