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Amex Platinum Card – Authorized User Benefits


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The Platinum Card from American Express (review) is probably one of the more famous and recognizable cards in the world but the truth is that unless you’re using it to book airfares (where it earns 5 points/dollar), it’s not a card that anyone should be using when they’re shopping – it’s simply not rewarding enough. Instead, this is a card that you hold for the great benefits that it offers, and what many people may not know is that authorized users get a lot of the same benefits that a Platinum Card’s primary cardholder gets.

In this post, I’m going to take a look at the benefits that the Amex Platinum Card offers to a primary cardholder and I’ll show just how many of those benefits can be used by any of the authorized users that a cardholder chooses to add. Considering that up to three authorized users can be added for a total of $175, some may be surprised just how much the Platinum Card actually offers.

Amex Platinum Card – The Benefits

Right now, the Amex Platinum Card (review) is offering a welcome bonus of 75,000 Membership Rewards points to successful new applicants who spend $5,000 on their new card in the first 6 months of card membership, as well as an incredible 10 points/dollar on up to $15,000 of spending at U.S. Gas Stations and U.S. Supermarkets in their first 6 months of Card Membership.

More importantly, these are the standard earnings and benefits that the Platinum Card currently offers in exchange for its $550 annual fee:

  • 5 points/dollar on up to $500,000 of airfares booked directly with airlines every calendar year.
  • Complimentary access to Amex Centurion Lounges + 2 guests
  • Priority Pass Membership
  • Access to the American Express Global Lounge collection
  • Access to the American Express Fine Hotels & Resorts program
  • Access to Delta Sky Clubs (when traveling with Delta on the day of entry)

Access Delta Sky Clubs when flying with Delta on the day of entry

  • Access to the International Airline program (for discounts on premium cabins on select airlines – more info)
  • Hilton Honors Gold status
  • Marriott Bonvoy Gold status
  • Credit towards the cost of Global Entry or TSA Precheck
  • $200/year Uber/Uber Eats credits
  • $100/year Saks 5th Avenue credits
  • $200/year airline fee credit
  • Elite status with Hertz, Avis and National
  • Trip delay protection
  • Trip interruption and cancellation insurance
  • No foreign transaction fees

So which of these benefits do the Platinum Card’s authorized users also receive?

Platinum Card Authorized User Benefits

A little surprisingly, a Platinum Card authorized user has access to all but three of the benefits that I’ve listed out above.

If you’re an authorized user on someone else’s Platinum Card, any airfare spending that you put on that card will earn (the primary cardholder) 5 points/dollar and when it comes time to fly you’ll be able to access the American Express Centurion Lounges, the Priority Pass Lounges, the Delta SkyClubs (if you’re flying with Delta), and any lounges that are part of the American Express Global Lounge collection.

Platinum Card authorized users can access Amex Centurion Lounges and bring 2 guests with them

When you arrive at your destination you can make the most of complimentary car rental elite status (Hertz Gold Plus Rewards, Avis Preferred and National Car Rental Emerald Club Executive) and you’ll be able to enjoy Marriott Bonvoy Gold elite status and Hilton Honors Gold status (the most useful mid-tier hotel status) when staying with either of those chains.

You can book your hotels stays through the Amex Fine Hotels & Resorts program, your trip will be covered by the excellent trip delay protection as well as the trip interruption and cancellation insurance that the Platinum Card offers (as long as the flights were booked using your Platinum Card) and you can even use your very own credit to get free membership of the Global Entry or TSA PreCheck programs to help reduce the time you spend in lines at airports.

What Isn’t Offered To Authorized Users?

The three benefits that are not extended to authorized users of the Amex Platinum Card are the Uber credits, the Saks 5th Avenue credits and the airline fee credit all of which are reserved for the primary cardholder.

It’s worth noting, however, that any airline fees charged by the primary cardholder’s chosen airline and paid using an authorized user’s card, will trigger the airline fee credit.

Bottom Line

It costs a $175/year to add up to three authorized users to a primary cardholders Amex Platinum Card account and while this shouldn’t be done without due care and consideration (the primary cardholder will be responsible for all charges the authorized users put on their cards), for a family that likes to travel or a family that likes to travel but that may not always travel together, having at least one Platinum Card authorized user could make a lot of sense.

The Excellent 6% Cash Back Card

The Blue Cash Preferred Card from American Express is one of the more rewarding cashback cards on the market with its market-leading rebate at U.S supermarkets, market-leading rebate on spending with streaming services, great cash back rates on select travel spending, and strong cash back at gas stations too. This card comes with a $95 annual fee which is currently waived in year 1.

The Great Earning Rates

  • 6% cash back at U.S. supermarkets on up to $6,000 spending per year*
  • 6% cash back on select U.S. streaming subscriptions
  • 3% cash back on transit spending (e.g. taxis/Uber/Lyft, parking tolls, trains, buses)
  • 3% cash back at U.S. gas stations
  • 1% cash back on spending in all other categories

Click for more details on the Blue Cash Preferred Card from American Express

Regarding Comments

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser or any other advertiser. It is not the bank advertiser’s responsibility or any other advertiser’s responsibility to ensure all posts and/or questions are answered.

4 COMMENTS

  1. I presume that the $175 is per AU?

    One thing that Frequent Miler addressed recently is the medical evacuation aspect of this card. You simply need to have the card to qualify and spouses and certain others are subsumed as well. Since you don’t have to buy any portion of your trip, it’s a great substitute for travel insurance if you have medical insurance IMO.

    • No, it’s $175 in total for up to 3 AUs and then $175/AU from the 4th AU onwards.

      Agreed, the medical evacuation benefit is very nice to have.

  2. I’ve had a Platinum Card for 41 years. My husband is AU on my Platinum Card and has been for 21 years. There is NO additional cost for him to be an AU on my card, and the card he is issued as an AU is a Gold card that is linked to my Platinum Card. He can Not access The Centurion Lounges, unless I am with him. For an annual price tag of $550, it has always been a bone of contention for me that my husband cannot access the full benefits of my Platinum card. Your article is a bit misleading in comparing the benefits between the main card holder and Authorized Users. There is NO $175 additional fee to have him as an Authorized User on my Platinum account which gives him a Gold card linked to my account. What I believe you are speaking about is paying an additional $175 annually, on top of the already $550 annually, for him to have an actual PLATINUM Card linked to my account, as opposed to the Gold card, which as I’ve mentioned, there is no added cost for. And paying $725 in annual fees for what is offered in return is just, well……insane.

    • 1. The posts clearly discusses Authorized Users that cost $175/year (for up to 3 cards and then $175/card after that). This post is very clearly not discussing a free card of a different color/metal, so how is that misleading?

      2. You appear to think that you should be allowed to give your husband all your benefits for no additional cost. Why? As a Platinum Card holder I would be disgusted if Amex offered the same benefits as it offers me to someone who hasn’t paid a dime towards those benefits.

      3. You may well think that an added $175/year for up to 3 Platinum Card AUs is “insane” but as you as clearly think that AUs should have all the benefits for free, I’m not going to lose any sleep over that.

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