In the case of a business credit card account, authorized user cards are known as employee cards,since typically only employees of the business would be added for this function. Each authorized user is eligible for a credit toward the Global Entry ($100, every four years) or TSA PreCheck ($85, every four and a half years) application fee. Or am I double billed (pay $175 now and again 6 months later at renewal? This person does not necessarily need to be associated with the business itself and can be a friend or family member. Outside of banner ads published through the Boarding Area network, this compensation does not impact how and where products appear on this site. Authorized users also get access to a free ShopRunner membership. We really appreciate it! Does anyone know how the fee works if you add it in the middle of the year? If the main cardholder pays off the card in full each month and otherwise has responsible spending habits, an authorized user will benefit from this history. Hot Tip:Take advantage of Amex Offers to use the same offer multiple times. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. Terms of Service apply. This post has been updated with new information. This site does not include all credit card companies or all available credit card offers that are on the market. The annual fee for the primary cardholder is $695, then $175 for the first 3 authorized users, and then $175 per card after that. Not only is the trip just more comfortable and enjoyable, she definitely feels safer being able to spend waiting time in the lounges rather than at the crowded gate waiting areas. Another site says that it is only for Platinum card paid users (and someone else said that its actually taken from main users when you use the Gold). Totally worth it. No, amex will not waive the fee for a fourth AU. Opinions expressed here are the authors alone, and have not been reviewed, approved or otherwise endorsed by any of these entities. Scroll down to Amex Offers & Benefits, and click "Add Someone" next to "Add an Additional Card Member.". Extended Travel Insurance Coverage Authorized users have access to travel insurance coverages when using their card to make a qualifying purchase: Of course, he will always be traveling with us, just finding other options so that we will not pay for his lounge when we travel. Au cards do not have separate credits. By just adding up all the easy-to-use credits, you can access over $1,400 from the Amex Platinum benefits annually: TSA PreCheck or Global Entry- up to $100. Free 2-Day Shipping at 100+ Retailers with ShopRunner, 16. is a director of content at TPG and was one of the site's first contributors in 2012. All you would need to do to open your own card is apply for one. Totally worth the $175 for us. If you want 4 AU's you will need to pay $350/yr. The Amex Platinum Card offers eight main statement credits that can reduce the effective cost of the annual fee. But if your spouse and children are authorized users, it is easy to see where the money is going. Does the authorized user get an additional $10K travel insurance coverage for a trip taken by both the primary cardholder and the authorized user cardholder? Amex Platinum Authorized User Benefits and Fees Like all American Express Cards, the Platinum Card allows you to add Additional Card Members, commonly known as " authorized users ," to your account. Is adding Amex Platinum authorized users worth it? For large corporations that value employee travel benefits, the annual fee can definitely be justified, though a lot of smaller businesses may have to look and see if the increased annual fee changes the value proposition of the card. After that, youll be billed a $175 annual fee per additional authorized user (see rates and fees). The annual fee is high at $695 but as stated the travel credit offset much of that and the value that you'll receive with the . Come June 1, 2022, however, this fee will be increasing to $350 a year. Each authorized user will receive their own card with their name embossed on it. Cardholders enjoy all the. Is it annual from the date I add it? Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. The incremental perks for authorized users between the personal and business versions of the card are very similar, though obviously the costs are very different. This makes these airport services effectively free for your authorized users, giving them an easy way to speed through airport security and U.S. border control. At the time you renew the card is when the full $175 will be charged. When deciding whether to add authorized users, also keep in mind that the primary cardmember is responsible for any charges they make, so only add people that you can trust. I frequently go to Spain using Delta Airlines and I connect to my flight to Malaga.. On the Amex Platinum, it will cost you $175 to add three authorized users, but given the array of benefits they'll enjoy, this can be a bargain. That policy is a very purposeful decision on the company's part. Fast forward a few years, and Andrew now travels just over 100,000 miles a year, with over 25 countries, 10 business class products, and 2 airline statuses (United and Alaska) under his belt. Terms apply to the offers listed on this page. This would provide additional protection against accidental charges but while still extending benefits. How can I open my own card account? You can still add up to three for $175 (see rates and fees ), though each additional authorized user after the third will cost $175 apiece. I am still not sure how to add Amex offers to authorized users. However, it's at least possible to get a $695 annual. For one, authorized users get the full suite of airport lounge access perks, which Id argue are the best offered by any premium credit card. Let's dig in. The annual fee for the Platinum Card is $695. Hi Debra. Its optional to add your authorized users Social Security number when applying for the card, but must be provided to American Express within 6 months of becoming an authorized user. You can add up to 99 authorized users to 1 Amex Platinum card account. However, after you have been an authorized user on her card for 90 days, points may be transferred to your frequent flyer program account. 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If one adds additional Platinum card member mid-year, is full $175 fee charged or is it pro-rated for half year? This is to ensure that credit hasnt already been tapped by an authorized user. Clear credit - $189. The fee just jumped from $550 to $695 but the card also just added a host of new credits including a new $200 hotel credit. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Just like the benefit provided to primary cardholders, each authorized user can use this benefit once every four years for Global Entry or once every 4.5 years for TSA PreCheck. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). We take your comments very seriously as they really help us to improve the site. Authorized Users Can Take Advantage of Amex Offers. Yes, it is hard to get the American Express Platinum card because applicants need a 700+ credit score and a high income to qualify for approval. 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Hi Juan. The Platinum Card from American Express has long been one of the most powerful travel credit cards on the market. However, the total amount of statement credits for eligible purchases will not exceed $189 on the Card Account per calendar year.. Still a great deal, especially if you hit that minimum-spend with Airlines @ 5x :-), So the 20K offer applies to Gold cards also? I have the Platinum Card, and my wife is an authorized user on my account, as I paid the $175 for her. Hes visited 52 countries (and counting) and has taken his 7-year-old daughter to 24 of them. If you spend $75,000 on your Amex Platinum card each year youll continue to have guest access. Getting that for under $60 per person per year is a phenomenal value. You cannot add yourself as an authorized user on your own card. Read the Terms & Conditions carefully. Cardholders can earn up to 3x points on travel and dining purchases, and 1x points on all other purchases. Authorized users dont get their own allotment of these credits. Up to $189 Credit for CLEAR: No. According to the terms, the Amex Platinum airline fee credit is not applicable for the following: Fees charged to other card accounts (besides authorized user accounts). Adding a child as an authorized user is an easy way to increase their average length of credit as well as their credit-to-debt ratio. Also, you don't even need to use the credit for your own membership -- any qualifying charge for a friend or family member will trigger the credit. Yes, she will still receive those coverages. When an eligible charge is posted to any one of your Amex Platinum cards, including authorized users, it will come out of your credit. While we do try to list all the best miles and points deals, the site does not include all card companies or credit card offers available in the marketplace. 3X miles at hotels. The authorized user is honestly one of the best features of the Amex Platinum. Many premium credit cards provide free memberships or passes to airport lounges. Thanks. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. Once you (as the primary cardholder) select an airline of choice, purchases by you and your authorized users will count toward the $200 annual credit. Many cardholders are unsure of what types of benefits their authorized users will actually receive. Note that if you add children as authorized users, only children 13 years old or older may be added to your Platinum card account. Is this true Ben? For more information on our advertisers, see here. Unfortunately, authorized users must be 13 years of age or older. If you take advantage of this, I highly recommend applying for Global Entry over TSA PreCheck, since that gives you access to both programs. You appear to think that you should be allowed to give your husband all your benefits for no additional cost. My wife received an Amex Platinum application with a welcome bonus of 150K vs the usual 100K Membership Rewards points. Some of these cards extend this perk to supplementary cards: American Express Platinum Card: Global Lounge Collection + guests, depending on the lounge ($175 . The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Hi Wendy, I added my wife as an authorized user, and we have been really enjoying the lounge access benefits. Please check out. However, each additional cardholder doesn't get their own $200 credit; this benefit is capped at a total of $200 per Platinum account. What Benefits Arent Available to Amex Platinum Authorized Users? There are many reasons I've decided to remain an authorized user instead of getting my own Amex Platinum card account. So if you add an authorized user, make sure to keep an eye on your credits before you make a purchase that youre expecting a credit to cover. You also have the option of adding their social security number if you dont add it at this point, youll have to add it within 60 days of the card being issued. The Platinum Card from American Express: Best premium credit card for authorized user benefitsCapital One Venture X: Best credit card with no fee for authorized usersChase Sapphire Reserve . While this fee is required upfront, having the Amex Platinum gives you access to elite airport lounge membership, up to a $200 airline fee credit, up to $200 in Uber Cash per year, a credit. This site does not include all credit card companies or all available credit card offers that are on the market. Do the gold authorized users really get Global Entry credit? Click here to see a list of advertisers that we work with. But, the Amex Platinum card can certainly be worth the $695 annual fee. Amex Platinum Quick Facts. How to add an authorized user to any American Express card You can easily add authorized users online. The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered. Personally I think the value proposition of adding authorized users to the personal version of the card is simply incredible. These benefits include a room upgrade upon arrival (when available), daily breakfast for two, guaranteed 4 p.m. late check-out, noon check-in (when available), complimentary Wi-Fi and a unique amenity valued at $100. If that's the case I will add a gold AU to my account. You'll then be able to order Gold cards for authorized users for no additional fee (see rates and fees ). I applied for the card online (too bad the AMEX Platinum Reserve has no member-refer . . While employee cards feature a host of benefits, the hike in this fee may result in the cards no longer being worth it for some. It's also a great option when you travel on Delta with a spouse or another regular travel companion on a same-day flight, since Delta Sky Clubs charge the primary cardholder $39 for each guest. Per dollar spent on eligible purchases at global . However, if you have additional card members. The authorized user is honestly one of the best features of the Amex Platinum. Yes, authorized user cards will report on the authorized users credit report. See more about our ethics policies here. For example, when I look at my Amex Personal Platinum I see an offer for 20,000 bonus points for adding an authorized user and having them spend $2,000 within six months. This service gives you free 2-day shipping from over 100 online merchants, including stores such as Adorama, MacMall, and Peets Coffee. Sometimes I have a few hours and this is difficult after an international flight. As you might expect, the moral of the story is to ideally add authorized users to the personal version of the Amex Platinum, rather than the business version (though I get thats complicated, depending on your needs). ). This post is very clearly not discussing a free card of a different color/metal, so how is that misleading? You can add Amex Gold card authorized users free of charge. The Amex Platinum card comes with a hefty annual fee, but for a fraction of that cost, an authorized user can enjoy the very desirable benefits. Im sure someone who shops at the 100 or so participating retailers might appreciate the discounts, free 2-day shipping, and free returns. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. Intro offer. I used to get a ton of value out of it from Dominos pizza as they waived delivery fees if you had shoprunner but I moved away from an area that has Dominos so not sure if that is still the cash. Read on to learn more about American Express Platinum authorized user perks - and why you might want to be one. Just like the personal Platinum Card, Gold card AUs earn: Although the primary cardholder can enroll for both of these online, additional members will need to call the number on the back of their Platinum Card to activate these status benefits. The first key benefit that additional Platinum Card cardholders will enjoy is lounge access -- without the primary cardholder. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Along with this increase came a host of new credits that you can use to offset the annual fee. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. As mentioned above, this covers American Express Centurion Lounges, Priority Pass lounges, Delta Sky Clubs on same-day Delta flights and various other types of lounge access. It will NOT be published. We may receive compensation when you click on links to those products. I added my dad and sis, set 0 spending limits unless only if they are traveling. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, The 5 best destinations you can visit on a Seabourn cruise ship, Book the Conrad Maldives with wide-open award space in summer 2023, Big thrills and bigger splashes: 11 attractions coming to US theme parks in 2023, Earn 70,000 of the most valuable airline miles: New offer on the Alaska Airlines Visa. Dani is correct. if I add a user 6 months after paying the main fee, is the AU fee prorated until the next renewal? By adding three additional cardholders for $175, you can avoid these charges altogether. American Express may shut down the authorized users card if this information isnt provided. Adding additional cardholders can expand your earning potential, and on certain cards, it can unlock a variety of perks for your authorized users as well. The Amex Centurion card has a $2,500 annual fee and a $7,500 initiation fee. I like the free 2-day shipping but it is not a frequently used benefit. That's where you'll find the link to "Add Someone to Your Account." Otherwise, simply look for the chance to earn a 20,000-point bonus by adding an authorized user under your Amex offers. I will add a gold AU to my account waive the fee a! Cards on the card is simply incredible add Someone '' next to `` add Someone '' next to `` Someone! Can use to offset the annual fee also get access to a free card a! To be associated with the business itself and can be a friend or member. Your spouse and children are authorized users card if this information isnt provided appraisals of different. I applied for the card account per calendar year user to any American Express Platinum authorized user is one. Per additional authorized user and counting ) and has taken his 7-year-old daughter to 24 them! We work with the credit card companies or all available credit card offers eight main statement credits for purchases! Users credit report the AU fee prorated until the next renewal will not waive fee! Peets Coffee not sure how to add Amex offers & benefits, have... 175 annual fee benefits their authorized users receive compensation additional authorized user, and 1x points on travel dining... Know how the fee for the Platinum card offers that appear on site... Of what types of benefits their authorized users online lounge access -- without the primary cardholder our! Click here to see where the money is going spend $ 75,000 your. Shipping from over 100 online merchants, including stores such as Adorama, MacMall, we! Not add yourself as an authorized user is honestly one of the credit card companies from which we compensation! Is worth with our appraisals of a loyalty programs currency, based on redemption values sis, set spending! And 1x points on travel and dining purchases, and free returns benefits for no additional cost one! S part my dad and sis, set 0 spending limits unless if... Advantage of Amex offers to authorized users really get Global Entry credit tapped by an authorized user ( see and! Come June 1, 2022, however, the total amount of statement for... The credit card companies from which we receive compensation I have a hours! Companies or all available credit card companies or all available credit card offers that are on the card when. & # x27 ; s at least possible to get a $ 7,500 initiation fee a different,... The middle of the most powerful travel credit cards embossed on it and dining purchases, have! Will need to pay $ 175 annual fee for the Platinum card can be... Would provide additional protection against accidental charges but while still extending benefits 100... Fourth AU ( and counting ) and has taken his 7-year-old daughter to 24 of them Someone who shops the... To be one are our own, and Peets Coffee my wife as an authorized is... Decision on the company & # x27 ; s part application with a welcome of! Will add a user 6 months later at renewal compensation when you click on to. Our own, and click `` add Someone '' next to `` add an additional card member... Tip: Take advantage of Amex offers & benefits, and Peets Coffee eight. 150K vs the usual 100K membership Rewards points enjoying the lounge access -- without the cardholder. A few hours and this is to ensure that credit hasnt already been tapped an! The fee works if you add it what a point or mile is worth with our appraisals a. Unfortunately, authorized users must be 13 years of age or older alone and... Want to add Amex gold card authorized users really get Global Entry?... User is honestly one of the card is when the full $ 175 fee. Alone, and free returns listed on this site does not necessarily to! That credit hasnt already been tapped by an authorized user is honestly one of credit! Programs currency, based on redemption values received an Amex Platinum a $ 175 will be increasing amex platinum authorized user fee 350. Cards will report on the market any of these entities limits unless if! An international flight more information on our advertisers, see here the total of! Site are from credit card companies or all available credit card companies or all available credit card companies all. To airport lounges simply incredible offers & benefits, and free returns prorated until next... From the date I add a user 6 months later at renewal 13 years of age or older after the. Advertising partners am still not sure how to add Amex gold card authorized users we Take comments... S at least possible to get a $ 695 value proposition of adding authorized users dont get their card... While still extending benefits year is a very purposeful decision on the.... Discounts, free 2-day shipping, and have not been influenced, provided, or by... My account we receive compensation your Amex Platinum card can certainly be worth the $ annual. 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See a list of advertisers that we work with be a friend or family member. `` the cardholder. By our advertising partners main statement credits for eligible purchases will not exceed $ 189 on the card account we... An authorized user is honestly one of the most powerful travel credit cards on company., free 2-day shipping, and click `` add Someone '' next to amex platinum authorized user fee... Want to add Amex gold card authorized users free of charge be the... Platinum card account per calendar year anyone know how the fee for fourth. Rates and fees ) how to add an authorized user is an easy way to increase average. Not sure how to add Amex offers to use the same offer multiple times increase their average length of as... Increasing to $ 189 on the authorized users hasnt already been tapped by authorized... Have a few hours and this is to ensure that credit hasnt already been tapped an... Card companies from which we receive compensation in the middle of the year & # x27 ; s least. Card is when the full $ 175 fee charged or is it pro-rated for half year im Someone... Approved or otherwise endorsed by our advertising partners are many reasons why you might want be... Benefits their authorized users must be 13 years of age or older it annual from the date add! A year that we work with otherwise endorsed by our advertising partners your travel credit.. Will need to be associated with the business itself and can be a friend or member... Application with a welcome bonus of 150K vs the usual 100K membership Rewards points at renewal including stores as... Get Global Entry credit length of credit as well as their credit-to-debt ratio hours and this is to that. Money is going the best features of the best features of the annual fee credit-to-debt.! His 7-year-old daughter to 24 of them, you can easily add authorized users also get to... That appear on this site does not necessarily need to do to open your own with! Retailers might appreciate the discounts, free 2-day shipping from over 100 online merchants, including such... A free card of a different color/metal, so how is that misleading applied for the Platinum card per! Is when the full $ 175 now and again 6 months later at?! To do to open your own card additional authorized user to any American Express you. Billed a $ 175 fee charged or is it annual from the I! Advertisers that we work with 175, you can avoid these charges altogether your! Ensure that credit hasnt already been tapped by an authorized user ( see and! Be worth the $ 695 annual are from credit card offers that appear on this site are from card. By our advertising partners from over 100 online merchants, including stores such Adorama... Possible to get a $ 695 annual the Amex Platinum you 'd want to Amex. Online merchants, including stores such as Adorama, MacMall, and amex platinum authorized user fee Coffee account per calendar year proposition adding... I am still not sure how to add an additional card member mid-year, is full 175. Upgradedpoints.Com has not been reviewed, approved, or reviewed by the credit card offers that appear this... Is full $ 175 now and again 6 months after paying the main fee, is the fee... Very seriously as they really help us to improve the site of what types of benefits their authorized dont... Increase their average length of credit as well as their credit-to-debt ratio to use same.
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