Amex Platinum Card Benefits: Adding Authorized Users

Filed Under: American Express, Credit Cards
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Amex Platinum Card Benefits: Adding Authorized Users
Amex Platinum Card Benefits: $200 Annual Airline Fee Credit
Amex Platinum Card Benefits: $200 Annual Uber Credit
Amex Platinum Card Benefits: Free Hotel Status
Amex Platinum Card Benefits: Airport Lounge Access
Amex Platinum Card Benefits: 5x Points On Airfare & Hotels
Amex Platinum Card Benefits: Global Entry Or TSA Pre-Check Credit
Amex Platinum Card Benefits: Free Rental Car Status
Amex Platinum Card Benefits: Fine Hotels & Resorts

In this post, I wanted to talk about the options you have for adding authorized users to The Platinum Card® from American Express, which you’ll want to do in advance if you anticipate needing to transfer points to their frequent flyer accounts.

What’s the cost to add authorized users to the Amex Platinum Card?

You have a couple of options for adding authorized users to the Amex Platinum Card:

  • You can add up to three Amex Platinum Card authorized users for a total of $175 (Rates & Fees)
  • Beyond the third Platinum Card authorized user, each additional Platinum Card authorized user costs $175
  • Alternatively, you can add up to 99 Gold Card authorized users to your Amex Platinum Card at no additional cost

What benefits do Platinum Card authorized users get?

If you add three authorized users to your Amex Platinum Card for $175, you’re essentially paying ~$58 per authorized user. Authorized users on the Amex Platinum Card receive:

  • Access to Amex Centurion Lounges, including the ability to guest up to two people per visit at no additional cost
  • Access to Delta SkyClubs when flying Delta on the same day, though you have to pay $27 for each additional guest
  • A Priority Pass membership, including the ability to take up to two guests with you at no additional cost
  • An $85 TSA Pre-Check or $100 Global Entry fee credit per authorized user, once every five years (since that’s how often you have to renew those memberships)
  • The hotel status that comes with the Amex Platinum Card, including Hilton Honors Gold status and Marriott Bonvoy Gold status
  • Access to the American Express Fine Hotels & Resorts collection, where you can get additional benefits for stays at many luxury hotels

Those are some incredible perks. This is especially useful for Delta flyers, since those with the Amex Platinum Card can’t guest people into lounges for free, so if you have people you travel with often, add them as authorized users, and then everyone can access a SkyClub with their own card.

Delta-SkyClub-San-Francisco - 12

The same is true for Amex Centurion Lounges if you want to bring in more guests. If you’re the primary cardmember and have three authorized users, you can collectively bring 12 people into a Centurion Lounge.

Amex-Centurion-Lounge-Houston - 13

The two main perks that Amex Platinum Card authorized users don’t get are the $200 per year in airline fee credits and the $200 per year in Uber credits.

Adding Gold Card authorized users to the Platinum Card

One of the new benefits of The Platinum Card® from American Express is that you can now add up to 99 Gold Card authorized users to your Platinum Card for no additional cost.

For the most part, this is a good low-cost option if you want to earn Membership Rewards points for other peoples’ spend. These Gold Cards earn points at the same rates as the primary cardholder, so still get 5x points per $1 spent on purchases made with airlines or with American Express Travel. They’re also each eligible for their own Global Entry or TSA Pre✓ fee credits.

Bottom line

One of the best ways to maximize the value you get out of The Platinum Card® from American Express is to add authorized users. They get most of the same benefits as primary cardmembers, minus the airline fee credits and Uber credits. Adding three authorized users for under $60 each and getting them Amex Centurion Lounge access, Delta SkyClub access, and a Priority Pass membership, among other benefits, is pretty darn good.

Some might also find value in adding Gold Card authorized users, given that they can earn double points for dining at U.S. restaurants that way.

The following links will direct you to the rates and fees for mentioned American Express Cards. These include: The Platinum Card® from American Express (Rates & Fees).

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  1. So you could issue a gold card to yourself and use it at restaurants if you have room in your wallet.

  2. Does the authorized users spend(either Platinum or Gold card) count towards your minimum spend for the bonus?

  3. Ben, are you sure about authorized users not getting the airline fee credit? I just looked at the benefits and the only one that is shown as being limited to the primary card holder is the Uber credit and VIP status.

  4. Can the primary cardholder transfer points to the frequent flier account of a gold authorized user?

  5. @John AUs can use the credit, but it’ll count towards the same $200 allotment – you don’t get another $200 per AU.

  6. Ben just curious but the free gold card anyway would that be a regular gold card or the prg version?

  7. One benefit to the authorized cards is that you can actually have them issued to yourself, as well, which can come in handy if you want to divide up business and personal expenses, etc.

    One other reason for having your own additional card is if you want to have a dedicated card that you use only for recurring charges like utility bills, etc., in case your every day card number gets compromised somehow, so that you don’t have to go through the hassle of changing the card number for your recurring charges. Plus, if you change them to the new number now, the expiration date will probably be in 2021 or 2022, and you won’t have to think about it until then.

  8. Lucky,
    My read is only the Authorized users do not receive the TSA fee reimbursements.
    Unrelated but may be useful – GOES CARDS are coming up for the first five year renewals. Can only be done within 90 days of expiration.

  9. I hadn’t heard about being able to add a Gold authorized user as a Platinum authorized user without charge.

    Am I correct that it’s free to add an authorized Gold user? That sounds like a great work-around to get my college-age son lounge access since I have both a Platinum and Gold business card.

    Two other quick questions: 1) Will it work with business cards? 2) If so, once I add my son as a Gold authorized user, how do I add him as a Platinum authorized user without charge?

  10. @ Russ — It’s free to add a Gold Card authorized user to your Platinum Card account, but they wouldn’t get the Platinum Card. They just get the Gold Card and you’d accrue the points. But they don’t get the Platinum Card or the benefits associated with it.

    This opportunity is only available with the personal version of the card.

  11. @ Joe Murf — Hmmm, everything I’ve seen mentions that they do get the reimbursement, and my read of the terms suggests the same. What makes you think they don’t?

  12. Lucky so can I add myself as AU on my platinum and get a gold card and actually get additional amex offers on the gold card?

  13. I read this article and I still have few other questions:

    1. does the AU build his/hers credit score buy getting and using this card ?

    2. does the AU gets the same amount of rewards for the benefit of the principal user ?
    for example: 5 points per $ spent on airline tickets, 5 points per $ spent on hotels through AMEX website, etc…

    3. does the AU gets the no foreign fees benefit on his/hers expenses abroad ?

    4. does the AU gets the same insurance coverage while travelling abroad ?

    Thank you

  14. I have tried to add my kids (12 and 9) as authorized users on my Amex Platinum in the past — solely for the Delta Skyclub access and Precheck. I obviously wouldn’t let them carry the cards. Yet Amex has a minimum age requirement of 15 years old. Why should Amex care? My wife, who is an authorized user on my account, poses more risk to me. They can’t make the argument that a 15 year old can “legally” enter into transactions any more than a 12 year old. Whenever I call, Amex reps say there’s some banking regulation or some such BS. Thoughts?

  15. @Lucky

    I was informed by AMEX that adding a Gold Card as an authorized user to a Platinum account would still earn points the at the Platinum Card rate. Among other things, this means a no-go on 2x points for US restaurants. Have you also heard this, or was the agent I spoke with misinformed?

  16. This may seem like a dumb question, but will charges made to an AU Gold card be billed separately, or will the charges show up on my Platinum card account? I tried to activate a Gold card I got for my husband and it said I could not activate it under my user ID – that I had to create another one. I don’t want to have 2 separate bills coming in – I want everything under my Platinum card!

  17. Re: 2x dinning on AU gold cards. I was told by an online rep that we would get 2x on dinning but was told over the phone that we would not. Might just have to get one and do a test.

  18. Re: 2x dinning on AU gold cards. I used my AU gold card and only got 1x points for groceries and gas. When I login to their accounts, they also show as platinum cards. (Not gold). I’m not sure why bloggers are indicating these AU gold cards will get you gold card spend “bonuses” when they clearly didn’t even try themselves. 🙁

  19. The amex rep is saying authorized users don’t get the free tsa pre check, just one person gets it.

  20. I can confirm that the AU with a gold card get the Global entry credit as well. So essentially you are getting $100.00 for free because the gold card is free. No one mentions this.

  21. I have the additional gold card with my platinum account and it seems I do not get x2 points at restaurants. Is everyone else having the same issue? Why is it considered a gold card if we don’t get that same benefit?

  22. Yes Mike, I have the same, no 2x for restaurants, and Amex rep just confirmed same. To me, it seams like a no brainer to just add a true platinum AU vs the gold.

  23. It’s $175 to add up to 3 additional platinum users to an account. How much is it to just add 1 additional user? Is it still $175, or is it less?

  24. Good question Norman. I’ve never seen an answer to this. I by mistake added a sixth AU to an Amex PRG (first five are free) and never saw a charge. Will I get charged something when the annual fee for the primary hits? Will I never get charged? No idea.

  25. We have 2 kids that we’d like to get the Global Entry credit for. I have the Amex platinum and my hubby has the Chase Reserve, so our GE fees are covered. Should I add my husband as an authorized user on the Amex platinum ($175 fee) and a gold card ($0) so that we can get two $100 GE credits for our kids? Thanks for your help!

  26. Platinum authorized users also get gold status at spg/marriot and hilton, combined with unlimited priority pass with two guests, centurion and delta skyclub access, $58 per user has to be the best annual fee for status and lounge access out there

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