Morgan Stanley credit card
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Morgan Stanley is one of the world's leading financial companies and boasts an impressive global reach. They are involved in all aspects of banking and employ more than 57,000 worldwide and are clearly a well-supported operation. Their bank services are normally aimed at the real high flyers, but their loans and credit card service is less exclusive (although still targeted at business customers). Morgan Stanley's website promises an 'unsurpassed personalised service' and 'exclusive benefits' and their reputation speaks for itself. As well as a standard card they offer UK customers two additional upgrades: Platinum and Gold.
The Gold card has a fairly competitive APR rate with 0 % on balance transfers and purchases for the first six months of opening an account. In addition there is no annual fee and you can manage your account online.
The Platinum card differs in that it charges a higher APR, but offers cash-back on purchases. It has the same rate on balance transfers as the Gold card. Both cards provide payment protection and loss/theft cover (although you'll have to pay a small one-off charge or a percentage of the overall spending).
Morgan Stanley has also put together a healthy package of extras to augment their basic credit card service. They offer a range of travel/insurance related benefits that are bound to prove tempting to business customers. These include: free travel cover (up to £250,000 for Gold and Platinum cardholders), use of a travel advice service and emergency legal and medical assistance. In addition Morgan Stanley provides a messaging service for customers needing to pass on vital information to family and associates. They will also help replace lost or stolen travel documents and property. For those times when a business meeting has over-run (or your flight has been delayed) Morgan Stanley can lend a helping hand. One phone call will see staff sorting out delivery of chocolate, flowers or even a bottle of champagne to a loved one.
Anyone thinking of taking out a Morgan Stanley credit card should have a clear idea of what they want to get out of their credit card before they sign up. Business customers (along with anyone who travels a lot) are likely to reap the biggest rewards, but as is always the case with financial services: it pays to shop around.
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