The Morgan Stanley Credit Card from American Express
FM Mini Review: Decent no-fee card thanks to its 2X category bonuses, but you do need to have a Morgan Stanley account to apply.
Card Type: Amex Charge Card
Earning rate: ⚬ 2X U.S. Restaurants ⚬ 2X select U.S. Department Stores ⚬ 2X Car Rentals Purchased Directly from Select Car Rental Companies ⚬ 2X Airfare Purchased Directly from Airlines
Big spend bonus: $100 after $25K card membership year spend
Noteworthy perks: Invest with rewards (1 point = 1 cent)