In the comments of my post about no annual fee credit cards with no foreign transaction fee, reader blue9 was looking for a list of all the American Express cards with free authorized users, in order to maximize access to Amex Offers. This is a comprehensive list of all cards with access to Amex Offers, along with the number of authorized users you can add per card and any fee for doing so. It is organized by type of card, and quasi-ordered within how I saw fit (a combination of AF, name, or program name, depending on the situation).
Note that an offer can only be added to an eligible card once per unique americanexpress.com, Facebook, or Twitter account. Most people have no problem circumventing this restriction using a single americanexpress.com account by opening new tabs for each card and adding them that way.
Also note that an excessive number of AUs for the purposes of Amex Offers has the possibility to draw unwanted attention from AmEx, per reader Lela.
An archive of all Amex Offers covered by Doctor of Credit is available at this link.
Contents
American Express
All American Express consumer cards issued by American Express, business cards from American Express OPEN, or registered American Express Serve or Bluebird Cards are eligible for Amex Offers through an americanexpress.com account, through Facebook, and through Twitter.
Personal Charge Cards
You can find details about the different flavors of Platinum cards at this link. According to this comment, your fee for the Ameriprise Gold may be different than displayed in the table.
| Card | Annual Fee | # of AUs… | …for $… | …and thereafter |
| Green | $95 | 5 | $30 | $30 per |
| Gold | $160 | 5 | free | $35 per |
| Ameriprise Gold | $160 | 5 | free | $35 per |
| Premier Rewards Gold | $195 | 5 | free | $35 per |
| Platinum | $550 | 3 | $175 | $175 per |
| Platinum – Gold Card AU | $550 | 5 | free | free |
| Ameriprise Platinum | $550 | 3 | $175 | $175 per |
| Goldman Sachs Platinum | $550 | 3 | $175 | $175 per |
| Mercedes-Benz Platinum | $550 | 3 | $175 | $175 per |
| Morgan-Stanley Platinum | $550 | 1 then 3 | free then $175 | $175 per |
| Schwab Platinum | $550 | 3 | $175 | $175 per |
Personal Credit Cards
Remember, you can only hold four or five credit cards issued by American Express at one time. Cards suffixed by an asterisk indicate that I could not find mention of the fee for AUs on the American Express website and have made an educated guess. If you have confirmation of the AU fee, please let me know in the comments!
| Card | Annual Fee | # of AUs… | …for $… | …and thereafter |
| Blue | None | 99 | free | |
| (Old) Blue Cash | None | 3, 5, or more 1 2 3 | free | |
| Blue Cash Everyday | None | 99 | free | |
| Blue Cash Preferred | $95 | 99 | free | |
| Blue Sky | None | 99 | free | |
| Gold Delta SkyMiles | $95 | 99 | free | |
| Platinum Delta SkyMiles | $195 | 99 | free | |
| Delta Reserve | $450 | 1 | $175 | $175 per |
| EveryDay | None | 99 | free | |
| EveryDay Preferred | $95 | 99 | free | |
| Hilton HHonors | None | 99 | free | |
| Hilton HHonors Surpass | $75 | 99 | free | |
| Mercedes-Benz | $95 | 5 | $30 | $30 per |
| Morgan-Stanley* | None | 99 | free | |
| Plenti | None | 99 | free | |
| Schwab Investor* | None | 99 | free | |
| Starwood Preferred Guest | $95 | 99 | free |
Business Charge Cards
Correction: employee cards are eligible for Amex Offers!
The Membership Rewards earning business charge cards (i.e. excluding the Plum) allow you to add lower tier employee cards. For example, if you had an Enhanced Platinum Business Card, you could add an employee card that was a Business Green Rewards Card for no fee, or an employee Business Gold Rewards card for $45. As a bonus, certain benefits of the Enhanced Platinum Business do carry over, such as reimbursed Global Entry (but not Priority Pass). This table references the cost to add an employee card of the same type.
| Card | Annual Fee | # of employees… | …for $… | …and thereafter |
| Business Green Rewards | $95 | 99 | free | |
| Business Gold Rewards | $175 | 1 | $50 | free |
| Plum | $250 | 99 | free | |
| Enhanced Business Platinum | $450 | 1 | $300 | $300 per |
Business Credit Cards
| Card | Annual Fee | # of employees… | …for $… | …and thereafter |
| Blue | $0 | 99 | free | |
| Gold Delta SkyMiles | $95 | 99 | free | |
| Platinum Delta SkyMiles | $195 | 99 | free | |
| Delta Reserve | Â $450 | 1 | $175 | $175 per |
| Lowe’s Business Rewards | $0 | 99 | free | |
| SimplyCash Plus | $0 | 99 | free | |
| Starwood Preferred Guest | $95 | 99 | free |
Prepaid Debit Cards
Note that the Target Prepaid REDCard (commonly known as REDbird) is not eligible for Amex Offers. You can find Chuck’s post about the various flavors of Amex Serve at this link.
| Card | Monthly Fee |
| Serve | $1 (waived with $500 direct deposit) |
| Serve OneVIP | $1 (waived with $500 direct deposit) |
| Serve FREE Reloads | $4.95 |
| Serve Cash Back | $5.95 |
| Bluebird | Â $0 |
Third-Party
American Express cards issued in the US by a licensed third-party bank licensed to issue American Express-branded cards are only eligible for Amex Offers through Facebook and Twitter.
As noted in Will’s List Of Third Party American Express Credit Cards, authorized users will not have unique numbers for third-party American Express cards, so it is only possible to enroll one card in Amex Offers. As such, I will let Will’s post serve as more comprehensive resource for third-party issuers than it would be reasonable to provide here. If you know of an exception to this rule, please let me know and I will include a table in this post.
Questions? Missing cards? Wrong information? Reply below!
