Snapshot

Smart Option Visa
Smart Option Visa
 Blue Cash Preferred Card from American Express Exclusively for Morgan Stanley
Blue Cash Preferred Card from American Express Exclusively for Morgan Stanley
IssuerFirst Citizens BankAmerican Express
NetworkVisaAmerican Express
Card MaterialPlasticPlastic
Annual Fee$0.00$95.00
Base Rate0.00%1.00%
Travel Rewards0.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee3%2.7%
LifecycleAvailableActive

Welcome Offer

BonusNoneNone
Spend Requirement——
Timeline——

Rewards Breakdown

Base Rate0.0% (base)1.0% (base)
Supermarkets0.0% (base)6.0%
Streaming0.0% (base)6.0%
Gas Stations0.0% (base)3.0%
Transit & Rideshare0.0% (base)3.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR15.24% - 25.24%12.74% - 21.74%
Cash Advance APR25.24%21.99%
Penalty APRN/A26.74%
Late Fee$40$40
Balance Transfer Feeundefined% (min $0)N/A

Insurance & Protections

Auto RentalSecondary—
Baggage Delay——
Baggage Loss——
Cell Phone Protection——
Extended Warranty——
Purchase Protection——
Return Protection——
Trip Cancellation Interruption——
Trip Delay——
Tsa Precheck Global Entry——

Usability & Experience

Digital WalletN/AN/A
Instant Card Number——
Credit BureausN/AN/A

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard