Chip Lupo, Credit Card Writer
You can add an American Express authorized user online or by phone, at 1 (800) 528-4800. With either method of adding an Amex authorized user, you will need to provide some basic information about the authorized user, including their name, birthdate and Social Security number. Adding a user online is probably the easier method, though.
How to Add an American Express Authorized User Online
- Log in to your account and click on your credit card.
- Click on “Account Services,” then “Manage Additional Card Members.”
- Select “Add Someone to Account.”
- Enter the new user’s name, date of birth and Social Security number.
- Submit the information.
Whether you add an Amex authorized user online or by phone, you should note that you’re not required to give the date of birth and Social Security number right away if you don’t have it. But you will have to provide that info to Amex within 60 days, or the authorized user’s card will be canceled. The user must also be at least 13 years old to be eligible.
How Amex Authorized User Cards Work
Any American Express authorized user you add will get their own card, which will share a credit line with your card. However, you can use your online account to manage how much the user can spend – by setting their spending cap as low as $200.
As the primary cardholder, keep in mind that you are responsible for paying off any purchases made by authorized users on your American Express credit card account. The account activity will also impact both your credit standing and the credit standing of any authorized users.
By default, American Express will send the authorized user’s credit card to you by mail, and you can choose whether or not to give the physical card to that person. But you can also request to have the card mailed to the user’s address, as long as you make your request by phone rather than online.
You can remove an Amex authorized user at any time. They can also request to be removed at any time.
American Express Authorized User Fees
On most American Express cards, there is no fee to add an authorized user. But some of the more expensive cards will charge authorized user fees that are a fraction of the card’s regular annual fee. For example, you can add up to three authorized users on the American Express Platinum card for a total of $175 per year, then any users after that cost $175 each per year.
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