9 Benefits of Adding Authorized Users to the Amex Platinum Card

American Express Centurion Lounge Hong Kong
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The Platinum Card® by American Express has long been one of the most powerful travel credit cards on the market.

The card offers a host of benefits that include access to 3 major lounge networks, and 2 complimentary hotel statuses that make traveling the world easier and more luxurious.

While most of the card’s benefits are pretty straightforward, we’re often asked about the card’s authorized users. Many cardholders are unsure of what types of benefits their authorized users will actually receive.

To make things even more confusing, Amex Platinum cardmembers can choose to add authorized users as either an American Express® Gold Card user or Amex Platinum Card user. Each of these has different costs and benefits, and neither has quite the same set of benefits as the primary cardholder.

That’s not to say you shouldn’t add authorized users to your Amex Platinum. In fact, adding a user can be super beneficial to you—the primary cardholder—and to any of the authorized users you choose to add to your account.

Here’s a walk through of all the benefits of adding an authorized user to your Amex Platinum Card, starting with the limitations of adding Amex Gold Card authorized users.

Why Not Add an Amex Gold Authorized User Instead?

Fees

Like previously discussed, you can choose to add an authorized user as an Amex Platinum or Amex Gold authorized user. First and foremost, the fees are very different:

  • Amex Gold Cards can be added for free
  • Amex Platinum Cards cost $175 for the first 3 authorized users and then $175 per card after that. (See rates and fees).

So yes, while adding an Amex Gold authorized user will say you money in fees, the benefits awarded to the Amex Gold authorized user is much more limiting.

Benefits

Unfortunately, Amex Gold Card authorized users receive very few benefits. In short, Amex Gold authorized users can make purchases to the main cardholder’s account but don’t get travel benefits like lounge access or an annual Saks Fifth Avenue credit.

However, Amex Gold authorized users do get a complimentary TSA PreCheck or Global Entry application fee reimbursement every 5 years.

While your Amex Gold authorized users is an Amex Gold cardholder, they don’t share the set of benefits as the standard Amex Gold card and some benefits (like the airline incidental fee credit) may vary.

Instead, authorized user cards will earn the same way the Amex Platinum cardholder does: 5 points per dollar on airfare book directly with airlines or with Amex Travel purchases, and 1 point per dollar on all other purchases.

If you’re looking for your authorized users to get more from the card, here are 9 benefits of adding an authorized user as an Amex Platinum authorized user.

9 Benefits of Adding Amex Platinum Card Authorized Users

Delta SkyClub at DTW Airport
Platinum authorized users can access Delta Sky Clubs when flying on a Delta Air Lines ticket. Image Credit: By LukeandKarla.Travel via Shutterstock

So while Amex Gold authorized users may have lackluster benefits, Amex Platinum authorized users actually receive a ton of awesome travel benefits.

1. Access to the Centurion Lounge, Delta Sky Club, and Priority Pass Lounges

Amex Platinum authorized users get full access to the Centurion Lounge and will receive their own Priority Pass lounge membership once enrolled. Additionally, authorized users can access Delta Sky Clubs with their card when flying on Delta Air Lines.

Like with the primary account holder, authorized users are charged a $29 per person fee when bringing a guest into the Delta Sky Club. However, if you frequently go to the Delta Sky Club with your friends and family, it may be worth adding them as authorized users so they can access the lounge without a fee.

2. Complimentary Marriott Bonvoy Gold Elite and Hilton Honors Gold Status

Authorized users get complimentary Marriott Bonvoy Gold Elite and Hilton Honors Gold status on their respective Marriott and Hilton accounts. To enroll, the authorized user will have to call the number on the back of their Amex Platinum card and enroll with a customer support representative. The authorized user will have to provide their Marriott and Hilton numbers to the representative, so make sure that they have it on hand before calling.

3. Reimbursement for Global Entry or TSA PreCheck Every 5 Years

Authorized users are reimbursed up to $100 for Global Entry and TSA PreCheck application fees. 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.

Note that this benefit is also offered to Amex Gold authorized users, so this is not solely limited to Amex Platinum authorized users.

Hot Tip: Use the Amex Platinum’s PreCheck/Global Entry credit for Global Entry as this service actually includes TSA PreCheck. Once approved, just add your Global Entry Known Traveler Number to your airfare reservation, and you should get the TSA PreCheck stamp on your ticket.

4. Help You Spend Down Your Airline Incidental, Saks Fifth Avenue, and PayPal Credits — But Not Uber

While your authorized users don’t receive up to $200 airline incidental, up to $100 Saks Fifth Avenue credit, and up to $30 in monthly PayPal credits (through June 30, 2021), they can use your credit. In short, when an eligible charge is posted to any one of your Amex Platinum authorized user cards, it will come out of your credit.

This is beneficial for cardholders that have trouble spending the credit down on their own and would otherwise let a portion go to waste. Note that your authorized users cannot access the up to $200 in Uber credits as this is tied to your Uber account.

5. Fine Hotels & Resorts Access

When booking hotel rooms through American Express’ Fine Hotels & Resorts, Amex Platinum authorized users are eligible for the following perks:

  • Complimentary Wi-Fi
  • Daily breakfast for 2 people
  • Guaranteed 4 p.m. late checkout
  • Noon check-in (subject to availability)
  • Room upgrade upon arrival (subject to availability)
  • A unique property amenity valued at $100 (i.e. spa, food, ground transfers, and beverage credit)

Note that your authorized user must pay for the reservation with their authorized user card in order to receive these benefits. In turn, this will put the hotel bill on your account.

6. Avis Preferred Club, Hertz Gold Plus Rewards, and National Emerald Club Executive Statuses

BMW Coupe Parked In A Parking Lot
Platinum authorized users have access to special Avis, Hertz, and National perks. Image Credit: Hunter Newton via Unsplash

As outlined in our complete guide to credit card rental car elite status, the Amex Platinum Card has special privileges with 3 rental car companies: Avis, Hertz, and National. Authorized users get access to all of the included perks.

For more in-depth information, explore the Amex Platinum’s rental car benefits for more information.

7. Free 2-Day Shipping at 100+ Retailers with ShopRunner

Authorized users also get access to a free ShopRunner membership. This service gives you free 2-day shipping from over 100 online merchants, including stores like Adorama, MacMall, and Peet’s Coffee.

Your authorized users can sign up for their free ShopRunner account using this special form. Thankfully, purchases do not need to be made with the authorized user’s Amex Platinum to be eligible for free 2-day shipping.

8. Authorized Users Can Take Advantage of Amex Offers

Authorized users can add Amex Offers to their Amex Platinum card on the American Express website. These offers usually give extra points or cash-back on purchases at select merchants, so make sure to check the Amex Offers section of your authorized user’s online account frequently.

Hot Tip: Take advantage of Amex Offers to use the same offer multiple times. Simply charge a second transaction to the authorized user’s card. After all, it’s all going on the same bill right?

9. You’ll Earn Points on All Authorized User Purchases

Finally, whenever a purchase is made on an authorized user’s card, the primary cardholder will earn the points on purchases. This can be both a good and a bad thing: it’s good because you’re earning extra points, but bad because—if your card falls into the wrong hands—you could be out some serious cash with no recourse.

With this in mind, make sure you only add authorized users that you trust. Sticking with immediate family and other close relatives who you may already share finances. Adding people you don’t know well, just so that they can use the Amex Platinum’s benefits, can end in disaster.

Your authorized users’ purchases will earn points the same way as any other Amex Platinum card. You’ll earn 5 points per dollar spent on airfare booked directly with the airline, 5 points per dollar spent on prepaid hotels booked with American Express Travel, and 1 point per dollar spent everywhere else.

What Benefits Aren’t Available to Amex Platinum Authorized Users?

So now that you know the benefits that are available to Amex Platinum authorized users, it’s only fair that we tell you which features aren’t included.

While authorized users can access your Saks Fifth Avenue and airline incidental credit, it will come out of the main cardholder’s allowance. This means that the authorized users don’t get their own allotment of these credits. So if you add an authorized user, make sure to keep an eye on your credits before you make a purchase that you’re expecting a credit to cover. This is to ensure that credit hasn’t already been used by an authorized user.

Authorized users aren’t given monthly Uber credits either. These are reserved for the primary cardholder. But other than that, your authorized user’s card is as good as any other Amex Platinum.

How to Add an Authorized User to Your Amex Platinum

Adding An Authorized User to American Express Platinum
Adding an authorized user to your Platinum Card account. Image Credit: American Express

Adding an authorized user to your Amex Platinum Card is simple. Just head over to the American Express website, log in, and select your Amex Platinum card using the card selector at the top-right of the screen (if you have more than 1 Amex card).

Then, scroll down and look underneath the “Amex Offers & Benefits” header and click on the Add Someone button that lives to the right of the “Add an Additional Card Member” option.

You’ll end up on a page that asks whether you’d like to add another authorized user as an Amex Gold or an Amex Platinum cardmember. Select the card you’d like to add and scroll down to enter the authorized user’s information in the form at the bottom of the page.

The form will ask for:

  • Full name
  • Email address (optional)
  • Date of birth (optional when applying, must be provided within 60 days of card issuance)
  • Social Security Number (optional when applying, must be provided within 60 days of card issuance)

Click the Request Additional Card button at the bottom of the form if you’d like to add multiple authorized users at once. Then, read the terms and click the Agree & Submit button at the bottom of the page to order your authorized user cards.

Final Thoughts

Adding a trusted friend or family member can be lucrative for both you and the authorized user in question. You’ll earn extra points on their purchases, and they’ll receive amazing travel benefits like lounge access, Global Entry reimbursement, and complimentary Marriott and Hilton status. But remember: only add someone you trust to your card, because in the end, you’re liable for their purchases.

Adding an Amex Platinum authorized user is most beneficial for couples that travel often. Both partners can earn extra points on airfare, access a variety of lounges when traveling separately, and more. Plus, when flying on Delta, the couple can use their respective Amex Platinum cards to access the Delta Sky Club without paying a guest fee.


For rates and fees of the American Express Gold Card, click here.
For rates and fees of The Platinum Card® by American Express, click here.


Frequently asked questions

How many authorized users can I add to my card?

You can add up to 99 authorized users to one Amex Platinum Card account. This can be a mixture of Amex Gold and Amex Platinum authorized users.

Do I need to provide my authorized user's Social Security Number when adding them to the card?

It’s optional to add your authorized user’s Social Security Number when applying for the card, but must be provided to American Express within 6-months of becoming an authorized user. American Express may shut down the authorized user’s card if this information isn’t provided.

Do authorized users build credit for being an authorized user on someone else's card?

Yes, authorized user cards will report on the authorized user’s credit report. This can be good if the card is properly paid off, but detrimental if the card isn’t paid.

How much does it cost to add an authorized user to my American Express Platinum Card?

You can add Amex Gold authorized users free of charge. Amex Platinum authorized users—which come with more benefits like lounge access—costs $175 per year for the first 3 authorized users. After that, you’ll be billed a $175 annual fee per additional authorized user. See rates and fees.

Do Platinum Card authorized users get their own Priority Pass card?

Yes, once the authorized user enrolls in Priority Pass, he or she will be mailed their own Priority Pass card.

Andrew Kunesh

About Andrew Kunesh

Andrew was born and raised in the Chicago suburbs and now splits his time between Chicago and New York City. He’s a lifelong traveler and took his first solo trip to San Francisco at the age of 16. 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.

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6 comments

  1. Nancy Sempek March 27, 2021

    Do not see a mention of free baggage?

    Reply

  2. Does the Amex Platinum card for ‘authorized users’ offer Rental Car Insurance coverage?

    Reply

  3. robert mann April 19, 2021

    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?

    Reply

    • Hi Robert. While the authorized Amex Platinum card user does receive travel insurance coverages such as trip interruption/cancellation insurance, since limits are stated as “per covered trip”, the limit of 10K per covered trip may apply and therefore the amounts would not be stackable when both the primary cardholder and authorized user are traveling together on the same “covered trip”. However, you should call the benefits administrator using the number on the back of your card for clarification and how the coverage would actually work under those circumstances.

      Reply

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