post on what benefits platinum authorized users get

Jan 15, 2023 |

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What Credits & Benefits Do Amex Platinum Authorized Users Get?

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Amex Platinum Business ($695)Amex Platinum Personal ($695)Amex Platinum Charles Schwab ($695)Amex Platinum Morgan Stanley ($695)

There is a lot of confusion about which benefits and credits Amex Platinum authorized users get.

We did a lot of research on the subject and we reached out to Amex to clarify as well.

Amex has 4 types of Platinum cards. Let’s discuss each one.

Amex Platinum Business ($695)

You can add authorized users on three levels.

Here are the benefits included for each level.

	Platinum level ($350 *per* authorized user)	Gold level ($45)	Green level ($0)
Global Entry or TSA Precheck	Yes	Yes	Yes
Hertz President’s Circle status	Yes	Yes	Yes
Access to the Fine Hotels + Resorts Program and Hotel Collection	Yes	Yes	Yes
Access to the Centurion Lounge, Delta Sky Club, and Priority Pass Lounges	Yes	No	No
Complimentary Hilton and Marriott Gold status	Yes	No	No
$200 Airline incidental fee credit	No	No	No
$400 Dell credit	No	No	No
$360 indeed credit	No	No	No
$150 Adobe credit	No	No	No
$120 credit for wireless purchases	No	No	No
$189 CLEAR credit	No	No	No

No matter on which level the authorized user gets added, the authorized user will earn the same rewards on purchases as the primary.

The credits mentioned above, even though the authorized users don’t get their own credits, the primary can share each credit with it’s authorized users. Purchases made on the authorized user cards are eligible for credits, up to the maximum amount allotted to the primary.

Interesting

The Gold level costs $45 while the Green level is free. But they both have the exact same benefits.

Amex Platinum Personal ($695)

You can add authorized users on two levels.

Here are the benefits included for each level.

	Platinum level ($175 for the first 3 authorized users and then $175 *per* authorized user)	Gold level ($0)
Global Entry or TSA Precheck	Yes	Yes
Hertz President’s Circle status	Yes	Yes
SoulCycle At-Home Bike Credit	Yes	Yes
Access to the Centurion Lounge, Delta Sky Club, and Priority Pass Lounges	Yes	No
Complimentary Hilton and Marriott Gold status	Yes	No
$12.95 monthly credit for a Walmart+ Membership	No	No
$200 Airline incidental fee credit	No	No
$240 Digital Entertainment credit	No	No
$200 Uber credit	No	No
$300 Equinox statement credit	No	No
$189 CLEAR statement credit	No	No
$100 Saks Fifth Avenue credit	No	No

No matter on which level the authorized user gets added, the authorized user will earn the same rewards on purchases as the primary.

Amex Platinum Charles Schwab ($695)

You can add authorized users on two levels.

Here are the benefits included for each level.

	Platinum level ($175 for the first 3 authorized users and then $175 per authorized user)	Gold level ($0)
Global Entry or TSA Precheck	Yes	Yes
Hertz President’s Circle status	Yes	Yes
SoulCycle At-Home Bike Credit	Yes	Yes
Access to the Centurion Lounge, Delta Sky Club, and Priority Pass Lounges	Yes	No
Complimentary Hilton and Marriott Gold status	Yes	No
$12.95 monthly credit for a Walmart+ Membership	No	No
$200 Airline incidental fee credit	No	No
$240 Digital Entertainment credit	No	No
$200 Uber credit	No	No
$300 Equinox statement credit	No	No
$189 CLEAR statement credit	No	No
$100 Saks Fifth Avenue credit	No	No
$100 Schwab Holdings credit	No	No

No matter on which level the authorized user gets added, the authorized user will earn the same rewards on purchases as the primary.

Amex Platinum Morgan Stanley ($695)

You can add authorized users on two levels.

Here are the benefits included for each level.

	Platinum level (First authorized user is free! $175 for another 3 authorized users and then $175 per authorized user)	Gold level ($0)
Global Entry or TSA Precheck	Yes	Yes
Hertz President’s Circle status	Yes	Yes
SoulCycle At-Home Bike Credit	Yes	Yes
Access to the Centurion Lounge, Delta Sky Club, and Priority Pass Lounges	Yes	No
Complimentary Hilton and Marriott Gold status	Yes	No
$12.95 monthly credit for a Walmart+ Membership	No	No
$200 Airline incidental fee credit	No	No
$240 Digital Entertainment credit	No	No
$200 Uber credit	No	No
$300 Equinox statement credit	No	No
$189 CLEAR statement credit	No	No
$100 Saks Fifth Avenue credit	No	No

No matter on which level the authorized user gets added, the authorized user will earn the same rewards on purchases as the primary.

Frequently asked questions

My cell phone shattered to pieces. Will cell phone protection on my Platinum Delta card cover the damages?

Cell phone protection will cover if your cell phone breaks or is stolen. All you need to do is to have paid your monthly bill using your Platinum Delta card, and file a claim

I was late on a credit card payment that my wife is an authorized user on. I know my score may be affected, but will my wife’s credit also be affected?

Yes. If you make a late payment on a credit card, it will affect your authorized user’s credit score as well

Is there a difference between an authorized user or an additional cardholder?

They both mean the same thing

If I have a statement credit on a personal Amex card would I be able to transfer said credit over to a business card?

Yes. Call customer service and they can do it for you

Amex authorized user cards used to not need to be activated when they came in the mail. Did that change?

Yes. You currently need to activate the card and provide their social security number and date of birth

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Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

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