Posted by sirtheta on January 20, 2017
AmEx Offers Amex Offers

Published on January 20th, 2017 | by sirtheta

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List of American Express Cards by AF & AU/Employee Fee (Useful for Amex Offers)

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.

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.

CardAnnual Fee# of AUs……for $……and thereafter
Green$955$30$30 per
Gold$1605free$35 per
Ameriprise Gold$1605free$35 per
Premier Rewards Gold$1955free$35 per
Platinum$5503$175$175 per
Platinum – Gold Card AU$5505freefree
Ameriprise Platinum$5503$175$175 per
Goldman Sachs Platinum$5503$175$175 per
Mercedes-Benz Platinum$5503$175$175 per
Morgan-Stanley Platinum$5501 then 3free then $175$175 per
Schwab Platinum$5503$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!

CardAnnual Fee# of AUs……for $……and thereafter
BlueNone99free
(Old) Blue CashNone3, 5, or more 1 2 3free
Blue Cash EverydayNone99free
Blue Cash Preferred$9599free
Blue SkyNone99free
Gold Delta SkyMiles$9599free
Platinum Delta SkyMiles$19599free
Delta Reserve$4501$175$175 per
EveryDayNone99free
EveryDay Preferred$9599free
Hilton HHonorsNone99free
Hilton HHonors Surpass$7599free
Mercedes-Benz$955$30$30 per
Morgan-Stanley*None99free
PlentiNone99free
Schwab Investor*None99free
Starwood Preferred Guest$9599free

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.

CardAnnual Fee# of employees……for $……and thereafter
Business Green Rewards$9599free
Business Gold Rewards$1751$50free
Plum$25099free
Enhanced Business Platinum$4501$300$300 per

Business Credit Cards

CardAnnual Fee# of employees……for $……and thereafter
Blue$099free
Gold Delta SkyMiles$9599free
Platinum Delta SkyMiles$19599free
Delta Reserve $4501$175$175 per
Lowe’s Business Rewards$099free
SimplyCash Plus$099free
Starwood Preferred Guest$9599free

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.

CardMonthly 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 $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!



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Credit
Credit

I closed my business spg card. No retention offers.

Reddit mentioned some retention offers

Logan Jung
Logan Jung

I have tried calling a few times to see if I can downgrade to a no AF card from my Personal SPG. I haven’t had any luck yet. However, they did offer I could “product change” to the AMEX gold and get the bonus if I met the spend. The rep made it clear that i would not be a hard pull

DGS
DGS

Afaik, you can PC your personal SPG. Card to the free Hilton Card. You may want to call back and ask. Keep us posted.

DGS
DGS

A PC from SPG to the free Hilton Card should not be a hard pull.

Shaun
Shaun

can confirm that Delta Platinum Personal has no fee for AU

Dan
Dan

The $1 fee on Serve is NOT charged if balance is ZERO, right?

Lela
Lela

That has been my experience for the last year.

Josh
Josh

Employee cards are absolutely eligible for Amex Offers. Give them each their own login and load away.

My Ameriprise Gold is $125 annual fee for the basic card plus $35 for the first 5 AUs.

Blue Cash, Delta Gold, and Surpass al have free AUs

Norman
Norman

Do employee card spendings count toward minimum spending?

S Nack
S Nack

The Schwab Platinum and the Schwab Investor cards, do you manage them on Amex website or Schwab site?

Josh
Josh

Amex site. For the Platinum at least.

kingofkingsforu
kingofkingsforu

will adding u again as an AU count as another card in the credit report

blue9
blue9

Thanks sirtheta! DoC is now even better with you on board.

Lela
Lela

I agree! Good post!

Ashok
Ashok

Can someone tell me the difference between blue and blue cash. I believe the one with the 6.5K spend requirement before 5% grocery and drug rewards kick in is the blue cash. For thei card i have been told everytime that max AUs are 5 (no more can be added). Is that accurate ?

Ted
Ted

OBC only allows 3 AU. Additional AU request will be denied (I learned it the hard way).

Blue for biz allows up to 5 AU at application. I am not sure what will happen afterwards.

Josh
Josh

My OBC only let me add 3 AUs too, but my wife’s has 5 and could probably add more.

Chuck

I’ll add my data point: I tried adding a 4th AU on OBC and got a rejection letter. I’d guess OBC used to be able to add up to 99 and now they limit it to 3 AUs (4 cards total).

Nicky
Nicky

Just wanted to say, I’ve really enjoyed your posts, thank you!

Lela, Frugal Nellie
Lela, Frugal Nellie

You might consider a footnote that utilizing larger numbers of AUs for Amex rewards is sometimes believed to result in, or increase one’s chances of an Amex review, and/or possibly attention from the RAT…

I’d love some remote idea on how much is safe…

hiima
hiima

I don’t know what the limit is, but in my family of 3 I have a total of 35 Amex. Mix of cardholder and AUs. No RAT or review so far.

Abhi
Abhi

One can request a green card for the AU on a Business Plat MR charge card. It comes with no annual fee. The downside, no lounge access. But everything else is the same. One more thing the agent told me is that Business plat allows AU to get reimbursed for global entry as well (even green). Haven’t tried it though…

O.Cville
O.Cville

Would someone be so kind and explain what the benefits are of having other authorized users on an account?

prussiablue
prussiablue

You can add Employee Business Green Rewards Cards on Business Plat and BRG for free, up to 99 I believe.

lorem ipsum
lorem ipsum

Can you get free Green cards on the personal Plat as well?

prussiablue
prussiablue

Unfortunately there is no free AU for the Plat. Best you can do is to add 5 AUs as Gold Cards for $45. Each AU after the first 5 would be another $45

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