Can you add an authorized user to American Express? This is a common question among cardholders who want to share their benefits with a family member or friend. In this article, we will explore the process of adding an authorized user to an American Express card and the advantages and considerations that come with it.
Adding an authorized user to an American Express card is a straightforward process. To get started, the primary cardholder must log in to their American Express account online or contact customer service. Once logged in, the primary cardholder can navigate to the “Manage Cards” section and select “Add Authorized User.” From there, they will need to enter the personal information of the person they wish to add as an authorized user.
After the authorized user’s information is submitted, American Express will review the request. If approved, the authorized user will receive a welcome kit with their own card. This card can be used to make purchases, but the primary cardholder retains full responsibility for the account and all charges.
There are several benefits to adding an authorized user to an American Express card. Firstly, it allows the primary cardholder to share the card’s rewards, points, and cash back earnings with the authorized user. This can be particularly beneficial for families or individuals who frequently travel or make purchases that earn rewards.
Secondly, adding an authorized user can help build the authorized user’s credit history. Since the authorized user’s charges will appear on the primary cardholder’s account, responsible use of the card can positively impact the authorized user’s credit score.
However, there are also some considerations to keep in mind when adding an authorized user to an American Express card. The primary cardholder remains fully responsible for the account and any charges made by the authorized user. This means that if the authorized user is unable to pay their portion of the bill, the primary cardholder will be responsible for the full amount.
Additionally, the primary cardholder should carefully consider who they add as an authorized user. It’s important to trust the person with the card, as they will have access to the primary cardholder’s financial information and the ability to make purchases.
In conclusion, adding an authorized user to an American Express card is a simple process that can offer numerous benefits. By carefully considering the advantages and responsibilities involved, cardholders can make an informed decision about whether to add an authorized user to their account.
