Morgan was born in
Cardiff and was a Cardiff City season ticket holder on the bob bank from the age of seven. As a schoolboy he represented Wales under 15 and featured in the same team as Jason Perry and Chris Coleman. He left school at the age of 15 and signed for Cardiff on a two-year apprenticeship shortly before his 16th birthday, before being given his first professional contract at the age of 18 in 1988. He captained the youth team in 1987-88 and scored 3 goals in the final two games of the season against Swansea City to give Cardiff the 'double' securing the inaugural Welsh National Youth League and Cup. In the same season, City beat Wrexham 2-1 in the Welsh Youth Cup final in Knighton. He represented Wales at under 18 youth level and played alongside Gary Speed, Bryan Law and Tony Roberts. He made his professional debut for the club on 28 September 1988, playing in a 3–0 defeat against
Queens Park Rangers in the
Football League Cup, before making his UEFA Cup Winners Cup debut against Derry City on 5 October 1988. He made his league debut 3 days later in a 2–1 defeat to
Reading on 8 October 1988. His first goal for the club came the following season, netting from outside the box in a 1–1 draw with
Birmingham City on 31 October 1989. He was a regular throughout the campaign, appearing 32 times in the
Football League Third Division as Cardiff suffered relegation after finishing in 21st position. However, a persistent ankle injury led to his early retirement from professional football at the age of 22. His final professional appearance came in a 2–0 victory over
Gillingham on 15 February 1991. ==Career statistics==