Posted by William Charles on April 14, 2017
Credit Cards

Published on April 14th, 2017 | by William Charles

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Everything You Wanted To Know About Authorized User Cards From American Express Platinum

Correction: We incorrectly stated that the gold authorized user cards earn 2x at Restaurants. We have confirmed that they earn at the same rates as the primary Platinum cardholder. I’m reposting this post to make this correction more visible. 

One of the new benefits that the American Express Platinum cards offer is the ability to add complimentary gold authorized user accounts. A lot of people had questions regarding these cards and other authorized user accounts on the American Express Personal Platinum, so let’s get started.

Card Types & Annual Fees

The American Express Personal Platinum card (and it’s variations) allow you to add two different types of authorized cards:

Card Benefits

Platinum Authorized Users

Platinum authorized users get most of the benefits that the primary cardholder gets. For example:

  • Lounge access:
    • Centurion lounge access
    • International American Express lounge access
    • Delta SkyClub lounge access
    • Priority pass select membership
    • Airspace lounge access
  • Fee Credit for Global Entry or TSA Pre✓
  • Hidden Benefits
  • SPG gold status
  • Hilton Honors Gold Status
  • Card earns at the same rate as the primary cardholder:
    • 5x points per $1 spent on purchases made with airlines or with American Express Travel
    • 5x points per $1 spent on hotel bookings made directly from the American Express travel website
    • 1x points on all other purchases

You don’t get your own $200 airline incidental credit, but your purchases will count towards the primary cardholders reimbursement. For example, if the primary cardholder makes $200 in eligible travel incidentals and then you make $50 that $50 will not be reimbursed. If they made $150 and you made $50 then a total of $200 will be reimbursed.

Gold Authorized Users

Gold authorized users don’t get the same benefits. They do get the following though:

  • Fee Credit for Global Entry or TSA Pre✓ (yes, each individual authorized user [up to 99 total] get their own credit. Yes, I’ve confirmed this)
  • Card earns at same rates as primary cardholder:
    • 5x points per $1 spent on purchases made with airlines or with American Express Travel
    • 5x points per $1 spent on hotel bookings made directly from the American Express travel website
    • 1x points on all other purchases

Our Verdict

Platinum authorized users can be a cheap way to get lounge access if that is what you’re interested in (especially if you can split the $175 fee between three people). Gold card is basically a free way to get access to more American Express sync offers and also give people free Global Entry credits. You might also be interested in our post outlining the Uber $200 credit found here.



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Bob
Bob

Can an AU on the BUSINESS American Express Platinum get access to Centurion lounges? (on a Platinum AU).

SJ0

I don’t understand those who whine about Plat not having dining bonus. Add yourself as an Gold AU and get 2x on dining. Every card does not have to copy CSR. If you don’t like the card just churn it 🙂

/rant

Tom
Tom

Exactly, but the fact that you have to actually do this is absolutely stupid. If they want their card to be “top of wallet”, then it needs to have a dining bonus… no normal person is going to carry around BOTH their Amex Plat and their Amex Plat Gold AU card… it’s just silly, just add the dining bonus to the Plat already and be done with it. Do you have any idea how many people would love to show off their shiny new metal Plat cards when dining out but can’t justify the 1x earn rate?

Peter
Peter

I wouldn’t want the additional trade line on my credit reports from the Authorized User AMEX. It’s also very difficult to get it removed from reports vs other issuers.

DrRyan
DrRyan

This is a question i had and i apologize i have been unable to answer it with my own searches. If you add yourself as an authorized user, does it create a new account on your credit report?

Aahz
Aahz

Yes. AMEX AU cards have unique numbers and are thus considered unique tradelines on credit reports.

GUAM
GUAM

Will additional AMEX au affect the basic cardholder’s credit score? or what are the negative effects of opening AU on a tradeline of credit?

James
James

Many people generally like to whine about something, so it’s not surprising.

prussiablue
prussiablue

You can’t get 2× on dining as a Gold AU. The reward category for the AU is the same as the main card, since the charges all get posted to the main account.

hiima
hiima

I don;t know how many times people post this and doesn’t understand that it does not work. The gold AU earns at the same rate as the primary Plat.

kt
kt

So technically if I added 99 gold cards for 99 people, amex is going to pay $9900 for Global Entry, right?

Ankur
Ankur

What about AU getting the bonus on PRG? Doesn’t AmEx limit personal signup bonus for once per lifetime?

Miles
Miles

Is the 2x restaurant bonus on Plat AU gold cards confirmed? Seems weird.

ffflllyyyeeerrr
ffflllyyyeeerrr

Have you confirmed the AU card’s point bonuses are actually 2x at restaurants? I have not seen this reported anywhere else. If this is the case, it would be huge. However, I doubt it’s true.

DSP
DSP
Mh
Mh

These Gold cards are the same as the $160 Gold cards, they all get 2x restaurant.

Tom
Tom

Just because something seems like it should be a certain way, does not necessarily mean that it actually *IS* that way, hence why everyone is asking whether or not this has been confirmed. Your comment does not provide any sort of confirmation.

MH
MH

For you Doubting (Tom) Thomas es I suggest you call and ask. Since you don’t believe what you read, maybe your ears will be better. :))

Tom
Tom

I do believe what I read regarding specific datapoints from other users who have called and asked or tried this on their own, from the comments and reddit thread mentioned above. What I am doubting is your claim (which seems logical) that they should earn 2x on restaurants simply because the regular Gold card earns 2x on restaurants, without actually backing up the claim with any datapoints. Everyone is already well aware of the benefits of the regular Gold card, that is not the debate here.

TYRONE
TYRONE

yeah…where I come from we have this little gadget called “telephone”, which allows you to punch in numbers and talk to a bank personnel to address your concerns. This technology has been around for over 100 years. It’s pretty cool because you can get your answers directly from the source, instead of wasting time doubting every comments on a 3rd party website.

Tom
Tom

They still have telephones where you come from? My building and city removed all telephones years ago, I haven’t seen one in ages!

Vinshaka
Vinshaka

As shown on the adding add’l AU page, plat AUs have no Uber fee, gold AUs only have hotel collection benefit. ALL AUs earn points for primary holders the same way—5x on amextravel, 1x on all eligible charges. However, both AUs have their own TSA/Global entry reimbursement.

DrGForce
DrGForce

Do gold cards get the premium roadside assistance? This might be a good way to spread this benefit around the family for no cost.

dbict
dbict

Is a SSN number required for Authorized Users?

S Lee
S Lee

The Gold AU can access their account online. Can they see the primary Platinum account holders transactions or just their own?

ANDY
ANDY

Super informative!

Would be great if you have a similar post for the Business Platinum.

CJ
CJ

Confirmed gold AU gets global entry reimbursement. Last year I used my platinum for 2 pre-check reimbursements for wife and I. Read on FT that they are no longer doing more than 1 reimbursement for platinum. So got 2 AU, 1 in my name and 1 for wife. Applied for GE for 4 on 4/23, used sapphire reserve for 1, platinum for 1, and each gold AU for 1. All 4 cards have already reimbursed 4 days later. Thus, I have received 5 pre-check/GE credits over 2 calendar years (and in less than 1 cardmember year).

DanV
DanV

Did you get yourself a gold card as an authorized user on your own platinum card, and then use that to get a free global entry?

CJ
CJ

That’s exactly what I did and then I put apps on both my platinum and au cards that were in my names.

DanV
DanV

Wow, good to know. Thanks.

Plungerjoke
Plungerjoke

Does spending from Gold AUs count towards minimum spend? I got the Schwab Platinum and have cleared 5k+, a portion of this on Gold AU cards, and bonus has still not posted. Not my first MR product, and in the interim, I got the Ameriprise Gold, funded a BMO checking account for 1k, and the 25k bonus posted the same day the transaction cleared. Amex reps have said it counts, but I cannot figure out why the heck my plat bonus hasn’t posted (save for an issue with spending from Gold AUs not counting for some reason). Spend on the Plat account was 100 pct organic. A couple largish charges for dental bills were the only thing out the ordinary.

SamIAm
SamIAm

I was wondering the same thing – did you bonus ever post ?

Plungerjoke
Plungerjoke

Still hasn’t. Supposed to be resolved by 8.8. I put another 2.5 k organic spend on. Couldn’t remember if I had bought any store GCs.

Hunter Zupnick
Hunter Zupnick

I’m curious, too. My gf is going to put a large hotel bill for a business trip on the Gold AU and I wanted to make sure it would count for a retention offer.

Eduard
Eduard

Hello everyone, I came across this article https://thepointsguy.com/2017/03/au-gold-cards-business-platinum/ (in the comments) that says you can have the fees reimbursed for Global Entry by adding a free Green Card AU to the Business Platinum. Would be sweet for those that don’t have the personal Platinum… Anyone have any info on this? Thanks in advance!

Sean
Sean

Did you ever find an answer to this? I’d like to get global entry for my kids too. Thanks!

Eduard
Eduard

Hey Sean, I went ahead and tried it out. I had the offer on my biz Platinum that I used for my wife. Figured whatever, I’ll pay for my kids’ Global entry if I have to. Used my wife’s AU green card (from the biz platinum) and wouldn’t you know it, got the credit a few days later! I was thrilled!! I can confirm that this does indeed work. Tried it out last week, and got credit for both my biz Plat, and my wife’s AU green card.

Sol
Sol

Is there foreign transaction fee on AU green card from biz Platinum? What benefits are differences between AU green card and AU gold card from biz plat?

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