18 Benefits of Adding Authorized Users to the Amex Business Platinum Card

Updated: February 5, 2024, 2:11pm CST

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18 Benefits of Adding Authorized Users to the Amex Business Platinum Card

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We frequently discuss the benefits of top premium travel rewards cards such as The Platinum Card^® from American Express and The Business Platinum Card^® from American Express.

These cards are known for earning valuable Membership Rewards points and for the associated flexible redemption options. The also cards come with the best airport lounge access available, statement credits that offer savings or bonus earnings, and a nice selection of travel and shopping benefits.

It often makes sense to have some of these valuable card benefits extended to key employees within your business or even to members of your family.

Fortunately, American Express makes it easy to do just that.

We previously covered the benefits of adding additional users to the Amex Platinum card, so today we’re building on that information as we discuss the benefits of adding authorized users to the Amex Business Platinum card.

Amex Business Platinum Card

OUR BEST OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

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This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

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The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome OfferEarn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
120,000 points

UP's Bonus Valuation*:
$2,640

Annual Fee

$695

APR

19.49% - 28.49% Variable

Credit Recommended

Good to Excellent (670-850)

The Business Platinum Card^® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Pros

5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
Up to $200 annual airline fee credit on your selected qualifying airline
Statement credits on select purchases with your card
35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
Global Entry or TSA PreCheck application fee credit
Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Access to Amex’s Fine Hotels & Resorts program

Cons

High annual fee of $695 (rates and fees)
Airline fee credit does not cover airfare, only incidentals like checked bags

Welcome Offer: Earn 120,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
5X Membership Rewards^® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
$189 CLEAR^® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card^®.
The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
$695 Annual Fee.
Terms Apply.

Financial Snapshot

APR: 19.49% - 28.49% Variable
Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Before we proceed, check out the key attributes of the Amex Business Platinum card in the snapshot above. Before applying for any card, you’ll want to investigate the current welcome bonus, fees, rates, and any additional terms and conditions. Follow the links above to do just that.

What Is an Authorized User?

An authorized user is someone you add to your Amex Business Platinum card account and give permission to make purchases on your account. Additional card users do not have a separate card account with American Express, just the ability to make purchases using a card on your account.

Here is some additional useful information regarding the addition of an authorized user:

You are responsible for paying the authorized users’ charges
Authorized users will have access to their own online accounts through a separate username and password, as will you; charges on your statement will be separated based on which person made each specific purchase
Authorized users do not have access to your account unless you designate them as an account manager
Once authorized users turn 18 years old their transactions are reported to the credit bureaus
You agree that purchases made by the authorized user will be for “the company’s commercial or business purposes”

Now that we know the basics of adding an authorized user, let’s talk about the benefits.

Select the Level of Authorized User Cards

The first benefit of adding additional users to your Amex Business Platinum card is that you can select the level of the card you want to be issued to the user. Having options is important, as the benefits and cost of each additional card vary widely.

1. Select Amex Business Platinum Cards for Extended Benefits

Adding an authorized user to your Amex Business Platinum card extends many of the benefits that the primary cardholder receives to the additional user. You’ll pay dearly for the privilege, though, as each additional user will incur a fee of $350 each year (rates & fees).

This option may be desirable for a key employee or spouse for the purpose of extending airport lounge access, utilizing Global Entry and TSA credits, or for the additional user to take advantage of travel benefits and protections.

This option can be of great value if the leading benefits are utilized.

2. Select American Express^® Business Gold Cards or Business Green Rewards Card from American Express for Employee Expense Management

Additional user cards issued as an employee Amex Business Gold card or employee Amex Business Green card do not receive the extended benefits or level of earnings of Amex Business Platinum card additional users.

The cost to add these authorized users is much less than adding Amex Business Platinum card users. You’ll pay $45 each year for each employee Amex Business Gold card (rates & fees), and no extra charge for employee Amex Business Green cards.

One of the key benefits of adding these authorized user cards is to be able to manage and track their purchases. This feature also offers the convenience of having the employee make necessary purchases directly.

There is a limit of 99 additional users that can be added to the Amex Business Platinum card.

All information about Business Green Rewards Card from American Express has been collected independently by Upgraded Points.

Earn Membership Rewards Points and Statement Credits Faster

Purchases made by both the primary cardholder and any authorized users count towards the initial welcome bonus, earn Membership Rewards points, and can trigger promotional offers.

3. Purchases Count Towards Minimum Spending Requirements

Once you’ve added an additional user, their purchases will count towards the minimum spending requirement to earn the initial welcome bonus.

4. Ongoing Authorized User Purchases Earn Membership Rewards Points

Every purchase your additional users make earns valuable Membership Rewards points, just as if the purchase was made by the primary cardholder. Authorized users will earn 5x points on flights purchased on prepaid hotels and flights via AmexTravel.com. Additionally, you’ll earn 1.5x points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.

5. Authorized User Purchases Trigger Statement Credits

While the authorized user does not receive statement credits, their purchases do trigger any statement credit offers on the primary cardmember’s account.

You can earn these statement credits for qualifying purchases on the Amex Business Platinum card (upon enrollment):

Up to $200 airline incidentals per calendar year
Up to $400 Dell Technologies credits (up to $200 January to June, up to $200 July to December)
Up to $360 Indeed credit (up to $90 per quarter)
Up to $150 Adobe credit
Up to $120 wireless credit (up to $10 per month)

Authorized user purchases earn the same as the primary cardholder earnings categories, but points and statement credits are only accumulated in the primary cardholder Membership Rewards account.

Bottom Line: Purchases made by authorized users earn Membership Rewards points at the same rate as the primary cardmember. Purchases also count toward minimum spending requirements for the card’s initial welcome bonus.

Extended Travel Protections and Benefits

6. Redeem Points for Employee Travel

The Amex Business Platinum card offers several flexible redemption options, including the ability to redeem points for travel via AmexTravel.com, using the Amex transfer partners, and more.

One of the best redemption options is to redeem points for flights using the Pay with Points feature and receive a rebate. The Amex Business Platinum card issues a flight credit bonus rebate of 35% of the points redeemed when you use this option.

Qualifying flights include business or first class flights with any airline or any flight with your preselected airline (the same airline as for incidental fee statement credit).

While authorized users do not have access to redeem rewards, they do have this capability if designated as an account manager.

Also, Amex cardholders can only transfer points to frequent flyer accounts in the primary cardholder’s name and authorized users or employees that have been explicitly added as additional cardholders.

So, if you need to transfer points to book a flight for an employee, it’ll be much easier to transfer points to a frequent flyer account in the employee’s name.

7. Complimentary Worldwide Lounge Access

CLTCenturionFrontDesk — Image Credit: Jarrod West

This may be one of the most valuable benefits of adding an authorized user if your business involves traveling. Worldwide lounge access membership can cost hundreds, even thousands, of dollars each year.

An Amex Business Platinum card’s authorized user receives the same worldwide lounge access as the primary cardholder and is able, in most cases, to bring in 2 additional guests (upon enrollment).

Your authorized user will enjoy worldwide lounge access at the following properties:

The Centurion Lounge Network
Delta Sky Club
Escape Lounges — The Centurion Studio Partner
International American Express Centurion Lounges
Select Lufthansa Lounges
Plaza Premium Lounges
Priority Pass Select (upon enrollment)
Select Virgin Clubhouse Lounges

Access requirements and the number of guests allowed can vary. Check each individual lounge network requirement prior to traveling.

8. Complimentary Hotel Program Status and Benefits

Additional users enjoy complimentary hotel program elite status and benefits:

Marriott Bonvoy Gold Elite Status — Enjoy upgraded rooms, late checkout, fifth night free on award stays, and more (upon enrollment)
Hilton Honors Gold Elite Status — Receive benefits such as complimentary breakfast, preferred room upgrades, late checkout, bonus points, fifth-night free on award stays, and more (upon enrollment)
Fine Hotels & Resort Benefits — On eligible stays, receive complimentary breakfast for 2, upgraded room when available, late checkout and early check-in when available, a unique-to-the-property amenity worth at least $100, and more
The Hotel Collection Benefits — On eligible stays of at least 2 nights, get a room upgrade when available and a $100 property credit

9. Complimentary Car Rental Program Benefits

National Emerald Club Executive Status — Receive vehicle upgrades, no second driver fee, and a free rental after 6 car rentals (upon enrollment)
Hertz Gold Plus Rewards President’s Circle Status — Receive guaranteed upgrades, no second driver free, a 50% points bonus, a free additional driver, and a dedicated Hertz Rewards line (upon enrollment)
Avis Preferred Benefits — Receive discounted rates and vehicle upgrades (upon enrollment)

10. Global Entry and TSA PreCheck Fee Reimbursement

Authorized users on the Amex Business Platinum card and additional Amex Gold card users receive an application fee statement credit of up to $100 for Global Entry or up to $85 for TSA PreCheck every 5 years.

11. Extended Travel Insurance Coverage

Authorized users have access to travel insurance coverage when using their card to make a qualifying purchase:

Car Rental Insurance — Receive secondary car rental insurance with the option to purchase Premium Protection for 1 low fee between $12.25 and $24.95 that covers the entire rental period
Trip Cancellation and Trip Interruption — Receive up to $10,000 per trip, $20,000 maximum per card each 12-month period
Trip Delay — If your trip is delayed 6 hours or more, you could receive up to $500 in reimbursement for qualifying expenses
Baggage Insurance — Receive up to $2,000 per checked bag, $3,000 per carry-on bag for lost, damaged, or stolen baggage
Premium Global Assist Hotline —Receive emergency transportation at no cost when utilizing the network; planning and emergency services are available 24/7 when traveling more than 100 miles from home

Check the card’s Guide to Benefits for a complete list of travel insurance coverages and the terms and conditions for each one.

Bottom Line: The value received for adding an authorized user is demonstrated most in the travel benefits and protection category. Worldwide lounge access alone can exceed $1,000 annually if you had to purchase memberships.

Extended Shopping Protections and Benefits

12. Purchases Qualify for Protection Coverages

Qualifying purchases, made by authorized users, get extended coverage on items purchased with the card:

Extended Warranty — For manufacturer’s warranties of 5 years or less, a qualifying item purchased with your card may receive 1 extra year of warranty
Purchase Protection — If a qualifying item is accidentally damaged or stolen within the first 90 days after the purchase date, you could receive up to $10,000 per item with a maximum of $50,000 per card account
Return Protection — If the merchant will not accept a return within 90 days of the purchase date, you may receive up to $300 per qualifying item, up to $1,000 per cardmember per calendar year
Cell Phone Protection — Cardholders receive up to $1,600 in cell phone protection (2 claims per year with up to $800 for each claim) against theft and damage, including cosmetic damage (like a cracked phone screen). Each claim has a $50 deductible.

13. Save More and Earn More With Amex Offers

Amex Business Platinum Amex Offers — Authorized user purchases can qualify for shopping benefits and protections, including Amex Offers. Image Credit: American Express

Amex Offers are an additional option for elevated earnings or statement credits. The authorized user can log in to their online Amex account and select offers that will trigger these extra earnings or savings when applicable purchases are made.

14. ShopRunner Membership

Receive free 2-day shipping and discounts at dozens of retailers with your complimentary ShopRunner membership. Authorized users can sign up for ShopRunner membership here.

Bottom Line: Authorized user purchases can qualify for additional protections, trigger Amex Offers savings and earnings, and receive free shipping with specific retailers.

Business Management Tools

Manage your authorized user purchases, set up alerts that set spending boundaries, or utilize extended payment options on large purchases with these business management tools.

15. Keep Track of Authorized User Purchases

Adding an authorized user allows you to manage that person’s purchases. If you have a key person in your operation, for example, you could add them as an authorized user and manage their purchases.

Keep in mind that you can also set maximum spending limits and set alerts for unusual transactions. Utilize the Amex mobile app for additional account management.

16. Pay for Qualifying Purchases Over Time

Purchases of $100 or more, even those made by authorized users, qualify for the Pay Over Time feature that allows you to repay that purchase over time, with interest.

17. Authorized Users Can Access Online Accounts

Authorized users will receive their own physical Amex Business Platinum card and be able to log into their accounts online to manage and track transactions.

Additional Benefits of Adding Authorized Users

18. Additional Benefits Extended to Authorized Users

American Express Preferred Seating and Access — Enjoy presale access before the public and preferred seating for a variety of sports, concerts, and theatrical events
Access to Amex Business Platinum Card Concierge — Receive help with planning business meetings, booking transportation, making travel arrangements, securing event tickets, and more

Check the benefits guide for additional information and details on the terms and conditions.

Bottom Line: Managing the purchases of authorized users is made easy with several available business management tools. You can set up spending limits, set alerts for unusual spending, and elect to pay for authorized user purchases over time.

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

Even though the Amex Business Platinum card comes fully loaded with benefits, many of these benefits, especially statement credits, are only available once.

For example, the Dell credits of up to $400 per year can only be used to get a cumulative benefit of $400, no matter how many employee cards you have.

Qualifying purchases from employee cards count towards the benefit, but employees will not receive their own benefit.

Employees will not have their own statement credits, except for the $100 Global Entry or $85 TSA PreCheck application fee credit benefit.

Other than that, if you decide to add an Amex Business Platinum card authorized user, employees will get almost all of the other benefits, including access to Fine Hotels & Resorts, Hilton Honors Gold and Marriott Bonvoy Gold Elite status, and worldwide lounge access through the American Express Global Lounge Collection (upon enrollment).

How To Add an Authorized User to the Amex Business Platinum Card

Amex Authorized User — Image Credit: American Express

Adding an authorized user to your card is a simple process. You’ll need the person’s full name to initiate the process, then you’ll add their Social Security number and date of birth. The authorized user will be removed if you do not add this information within the allotted time period.

Log in to your Amex Business Platinum card account online and select Account Services, then Add Employee Card. After that, you’ll be prompted to click the button that says Add Employee Card on the resulting page.

Amex Business Platinum add employee card — Image Credit: American Express

After that, select the account for which you would like to add Employee Cards.

Amex Business Platinum add employee card card selection — Image Credit: American Express

Next, select the type of card you want the authorized user to have. Enter the employee’s name, how you want the name to appear on their card, and their email address — your authorized user will receive their card within 7 to 10 business days.

Amex Business Platinum add employee card form — Image Credit: American Express

Final Thoughts

While it’s easy to add an additional user to your Amex Business Platinum card, the decision is a serious one. You (and your business) are taking on the responsibility of repaying debt incurred by another individual’s spending.

For this reason, you’ll want to select your authorized user(s) wisely. There can be significant value added if your authorized user is traveling and can utilize worldwide lounge access, hotel and car rental benefits, and travel benefits and protections.

If none of these benefits are helpful but you have a need for employees to make purchases on a regular basis, you may select one of the other card options such as the additional Amex Business Gold card ($45 fee) or the Amex Business Green card ($0 fee) to accomplish the objective.

If you’re in the process of making a decision between the personal consumer Amex Platinum card vs. the Amex Business Platinum card, our article comparing the 2 is a must-read.

For the secondary rental car coverage benefit of The Business Platinum Card^® from American Express, Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the baggage insurance benefit of The Business Platinum Card^® from American Express, Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the premium global assist benefit of The Business Platinum Card^® from American Express, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

For the purchase protection benefit of The Business Platinum Card^® from American Express, Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of The Business Platinum Card^® from American Express, when an American Express^® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the trip cancellation and interruption insurance benefit of The Business Platinum Card^® from American Express, the maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip delay insurance benefit of The Business Platinum Card^® from American Express, up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Visit americanexpress.com/benefitsguide for more details.Underwritten by New Hampshire Insurance Company, an AIG Company.

For the Return Protection benefit of The Business Platinum Card^® from American Express, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express^® Card. Purchases must be made in the U.S. or its territories. Eligibility and benefit level varies by Card. Terms, Conditions and Limitations Apply.

For the Cell Phone Protection benefit of The Business Platinum Card^® from American Express, coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. – Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

The information regarding the Business Green Rewards Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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

Featured Image Credit: Upgraded Points

Frequently Asked Questions

How much does it cost to add an authorized user to the Amex Business Platinum card?

A $350 annual fee is charged to add an additional Amex Business Platinum cardmember. You have the option to add additional Amex Business Gold card users for just $45 each (each card year) and Amex Business Green card users at no charge.

The additional Amex Business Gold cards and Amex Business Green cards do not have the same benefits as the additional Amex Business Platinum card.

Do authorized users on the Amex Business Platinum card get lounge access?

Yes. The authorized user who receives an Amex Business Platinum card will be able to enjoy lounge access to all of the same properties as the primary cardholder and be able, in many cases, to bring up to 2 guests without an additional charge.

Authorized users can use their card to access Centurion Lounges and other lounge networks, but need to register for Priority Pass Select membership in the benefits section of their online card account. Once registered, a Priority Pass card will then be mailed to them.

Does an authorized user have a spending limit?

The primary cardholder manages the spending limit of the authorized user which can be set as low as $200 or as high as the total spending limit of the primary cardholder.

Does the authorized user build credit with Amex?

Typically, those with the Amex Business Platinum card will not see the account show up on personal credit bureaus. However, you may see activity reported on business credit bureaus, such as Dun & Bradstreet. That said, an employee card from the Amex Business Platinum card will typically not show up on any credit reports.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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