I have a Morgan Stanley Smith Barney brokerage account and have the FMA (Financial Management Account) Card that has earned points in the MSSB rewards program. If you get one of these newly released Amex cards before 12/31/12 your points convert to Membership Rewards points which are much more valuable to me than MSSB Rewards, which is a nice plus.

Does anyone know if these new cards are charge cards or credit cards?

Can you get a bonus by refering someone (like a family member) to this card that has a MSSB account?