Amex Platinum: Choosing Between Authorized User and Companion Card

The Platinum Card® from American Express offers a wealth of benefits that can extend beyond the primary cardholder. If you’re looking to share these perks with a partner, child, friend, or another companion, you have two options: the Companion Platinum Card and the Authorized User Card. Each choice has its own advantages and costs, making it essential to determine which option best suits your needs.

The Companion Platinum Card comes at no additional fee, but it also provides fewer benefits compared to the Authorized User Card, which incurs an extra $195 fee on top of the Amex Platinum’s existing $895 annual fee. So, how do you choose the right one for your situation? Let’s break down the key differences to help you make an informed decision.

Both Companion Platinum Card members and authorized users do not receive individual statement credits, with the exception of the Global Entry/TSA PreCheck credit. However, they can help the primary cardholder maximize their credits by using the card for their purchases. It’s also important to note that neither option comes with a welcome offer unless they apply for their own Platinum Card as primary cardholders.

When considering the Companion Platinum Card, keep in mind that it lacks lounge access and elite status benefits, which are included with the Amex Platinum authorized user card. If those benefits aren’t a priority for you, the Companion Platinum Card can still offer significant value.

Primary cardholders, authorized users, and Companion Platinum Card members are eligible for statement credits for Global Entry or TSA PreCheck application fees. Specifically, you can receive a statement credit of up to $120 every four years for Global Entry or up to $85 every 4.5 years for TSA PreCheck. If you are already enrolled in either program, you can use this benefit for someone else, making the Companion Platinum Card a cost-effective choice.

When it comes to earning rewards, primary cardholders earn Membership Rewards points on every purchase made by a Companion Platinum Card member. The points earned are valued at approximately 2 cents each, providing a potential 10% return on eligible flights and hotels booked through Amex Travel. Additionally, transferring points to one of Amex’s travel partners can unlock incredible travel experiences.

While the Companion Platinum Card offers many benefits, there are compelling reasons to consider adding an authorized user to your Amex Platinum account. Authorized users enjoy all the benefits of the Companion Platinum Card, plus additional perks such as:

1. Lounge Access: Authorized users gain access to the American Express Global Lounge Collection, even when traveling alone. This includes access to Delta Sky Clubs when flying on Delta Air Lines-operated flights, with restrictions on guest access.

2. Hotel Elite Status: Authorized users receive complimentary Gold status in the Hilton Honors and Marriott Bonvoy loyalty programs, along with Leaders Club Sterling Status from The Leading Hotels of the World.

3. Car Rental Benefits: Authorized users also receive status with major car rental companies, which includes perks like Emerald Aisle access with National and no secondary driver fees.

4. Fine Hotels + Resorts Access: Authorized users can book through American Express Fine Hotels + Resorts and The Hotel Collection, enjoying elite-like benefits.

While the Companion Platinum Card allows another person to earn Membership Rewards points and redeem Amex Offers without an additional fee, it is best suited for individuals just starting to earn points. In contrast, adding an authorized user is ideal for frequent travelers who can take full advantage of the card’s travel-related benefits.

If you’re contemplating whether your authorized user should apply for their own Amex Platinum Card to earn a welcome bonus, we have a comprehensive guide to help you make that decision.

In summary, if you want to share your Amex Platinum benefits with someone, consider the following: the Companion Platinum Card is a great choice for younger individuals or those new to earning rewards, while the Authorized User Card is more beneficial for seasoned travelers who will appreciate the added perks.

To learn more about the Platinum Card from American Express, you can read our detailed review. If you’re ready to apply, click here for more information on rates and fees associated with the Amex Platinum.

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