Amex Platinum Authorized Users: Benefits & Cost

Amex Platinum Authorized Users: Benefits & Cost

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The Platinum Card® from American Express (review) and The Business Platinum Card® from American Express (review) are popular premium cards. Many people pick up these cards not because of the return they offer on everyday spending, but rather because of all of the perks of being a cardmember.

For perks-rich cards, there’s often value in adding authorized users, so that you can share your benefits with loved ones and close friends. So in this post I wanted to take a close look at the value proposition of adding Amex Platinum authorized users — how much does it cost, and what does it get you?

Amex Platinum authorized users cost

The value of adding authorized users is very different, depending on whether you’re looking at the personal or business version of the card:

As you can see, the pricing difference between the personal and business card is massive — if you add three authorized users to the personal version of the card you’d pay under $60 per authorized user, which is less than a fifth of the fee you’d pay on the business version of the card.

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 that’s complicated, depending on your needs).

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.

Amex Platinum authorized user benefits

If you add authorized users to the Amex Personal Platinum or Amex Business Platinum, what benefits should you expect that they’ll receive?

For one, authorized users get the full suite of airport lounge access perks, which I’d argue are the best offered by any premium credit card. This includes:

  • Access to Amex Centurion Lounges; you can guest up to two people at no additional cost (the guesting policy will change in 2023)
  • Access to Delta SkyClubs when flying Delta on the same day; you can bring guests for $39 each
  • A Priority Pass membership (enrollment required), giving you access to 1,300+ lounges around the world; you can guest up to two people at no additional cost
  • Access to Plaza Premium Lounges; you can guest up to one person at no additional cost
  • Access to Escape Lounges, Air Space Lounges, and select Lufthansa Lounges
Amex Platinum authorized users can access Delta SkyClubs

I’d say the lounge access is the most substantial perk, though there are other useful perks for being an authorized user on the Amex Platinum, including:

Amex Platinum authorized users can save money on flights with the IAP

There’s one other often overlooked perk. The Amex Platinum earns Membership Rewards points, and those points can be transfered to airline & hotel partners. However, they can only be transfered to a loyalty program account in the name of a cardmember. If you add an authorized user, you’ll be able to transfer points to one of their airline or hotel accounts after 90 days, which gives a lot more flexibility.

Just to be thorough, what benefits don’t get Amex Platinum authorized users get? Aside from the Global Entry or TSA Pre-Check credit, authorized users don’t get any of the additional credits that primary cardmembers receive, whether it’s the airline fee credit, Uber credit, digital entertainment credit, CLEAR credit, Equinox credit, Saks credit, etc.

How do you add Amex Platinum authorized users?

The process of adding authorized users on the Amex Platinum is easy, and potentially even rewarding. Log into your Amex account, and then scroll down to the “Amex Offers & Benefits” section. You should see the “Add a Card Member” option listed there.

While this won’t always be the case, in some instances you may even see a reward for doing so. 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.

You’ll have to provide the name and date of birth of the authorized user you want to add. You also have the option of adding their social security number — if you don’t add it at this point, you’ll have to add it within 60 days of the card being issued.

Note that authorized users on the Amex Platinum must be at least 13 years old.

Is adding Amex Platinum authorized users worth it?

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. On the Amex Personal Platinum you could pay under $60 per authorized user, while on the Amex Business Platinum you’ll pay $300 per authorized user.

Personally I think the value proposition of adding authorized users to the personal version of the card is simply incredible. For (potentially) under $60 per person per year, you’re getting the most comprehensive airport lounge access offered by any credit card. Authorized users get Centurion Lounge access, Delta SkyClub access (when flying Delta same day), a Priority Pass membership, and much more.

Personally I feel like a key aspect of maximizing the Amex Platinum is adding authorized users, given the rich benefits.

Adding authorized users can be worth it for lounge access alone

Bottom line

There are lots of incredible perks to the Amex Platinum Card, and I’d argue that one of the best ways to maximize value with the card is to add authorized users.

For a total of $175 per year you can add three authorized users to the personal version of the card, and they’ll receive all the amazing lounge access perks of the primary cardmember, and more. Getting that for under $60 per person per year is a phenomenal value.

If you have the Amex Platinum, have you added authorized users to the card?

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

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  1. adrienne Foran

    I have a Platinum Card for myself and 2 others. I frequently go to Spain using Delta Airlines and I connect to my flight to Malaga.. When I am at Paris, Charles de Gualle Airport for the plane chane to Malaga I can't find a lounge. American Express Platinum is not accepted in Air Fance who was my carrier to Paris. Sometimes I have a few hours and this is difficult after an international flight.

    I have a Platinum Card for myself and 2 others. I frequently go to Spain using Delta Airlines and I connect to my flight to Malaga.. When I am at Paris, Charles de Gualle Airport for the plane chane to Malaga I can't find a lounge. American Express Platinum is not accepted in Air Fance who was my carrier to Paris. Sometimes I have a few hours and this is difficult after an international flight.
    Is there a way I can enjoy a lounge in France while waiting for my flight to Spain?

  2. mojo

    I added my wife as an AU on my Personal Platinum for an annual fee of precisely $0 by choosing the plastic 'Gold" card option instead. Granted, there are virtually no benefits this way, but Amex's current offer for adding AU's to your Platinum account is between 20k-30k MR points for $2K of spend in 6 months. Still a great deal, especially if you hit that minimum-spend with Airlines @ 5x :-)

    1. AOH

      So the 20K offer applies to Gold cards also? If that's the case I will add a gold AU to my account

  3. Earl B.

    The authorized user is honestly one of the best features of the Amex Platinum. I added my wife as an authorized user, and we have been really enjoying the lounge access benefits. Of course, when we are traveling together (which is typical), she can access most lounges with me as my guest. But, on the less-frequent occasions when she flies alone (LAX to BOS, usually), we both love that she has full lounge access on...

    The authorized user is honestly one of the best features of the Amex Platinum. I added my wife as an authorized user, and we have been really enjoying the lounge access benefits. Of course, when we are traveling together (which is typical), she can access most lounges with me as my guest. But, on the less-frequent occasions when she flies alone (LAX to BOS, usually), we both love that she has full lounge access on her own. It makes her whole trip better. 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. Totally worth the $175 for us.

  4. Jennifer

    Do I have to add all 3 at the same time? Or will the first cause me to be charged $175, and the later two charged nothing?

  5. Alex H

    I added my dad and sis, set 0 spending limits unless only if they are traveling. Totally worth it. They all got the status perks on each Hotel and Car rental I added them to.

  6. Ian

    Does anyone know how the fee works if you add it in the middle of the year? i.e. if I add a user 6 months after paying the main fee, is the AU fee prorated until the next renewal? Is it annual from the date I add it? Or am I double billed (pay $175 now and again 6 months later at renewal?

    1. mojo

      I believe the 12-month clock starts when you add the user (i.e. it is not calendar-based).

  7. SeeSharp

    I believe Amex allows you to lock an additional user’s card or set a $0 spending limit. This would provide additional protection against accidental charges but while still extending benefits.

    1. Steve

      Is this true Ben? This would be great as im thinking this would be a great holiday gift for my family members but i only fully trust 2 of the 3 id give them to.

  8. Steve

    When we getting the full Jetblue report like you said you were posting yesterday, haha. Im jonesing for the full report.

Featured Comments Load all 11 comments Most helpful comments ( as chosen by the OMAAT community ).

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.

mojo

I believe the 12-month clock starts when you add the user (i.e. it is not calendar-based).

AOH

So the 20K offer applies to Gold cards also? If that's the case I will add a gold AU to my account

adrienne Foran

I have a Platinum Card for myself and 2 others. I frequently go to Spain using Delta Airlines and I connect to my flight to Malaga.. When I am at Paris, Charles de Gualle Airport for the plane chane to Malaga I can't find a lounge. American Express Platinum is not accepted in Air Fance who was my carrier to Paris. Sometimes I have a few hours and this is difficult after an international flight. Is there a way I can enjoy a lounge in France while waiting for my flight to Spain?

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