When applying for a credit card, you’ll usually see a place to add authorized users. The banks will phrase it like “ADD UP TO FIVE PEOPLE TO YOUR ACCOUNT FOR NO EXTRA CHARGE!” If you do this, the bank will send credit cards to everyone. Great, right? Maybe, maybe not. Here’s a quick rundown of what an authorized user is and why it may be a good or a bad idea to add one to your account.
As of September 1, 2019, American Express is only allowing cardholders to transfer Membership Rewards to partner accounts of authorized users and those authorized users need to have been added at least 90 days ago. What does this mean?
You still are not allowed to transfer (or pool) Membership Rewards between accounts, even with your spouse, family member or authorized user(s). This rule is more restrictive than Chase and Citi, which both do let you send points between accounts.
What you can currently do is transfer Membership Rewards points to the partner accounts of people who are authorized users on one of your American Express cards that earn Membership Rewards. For example, I can transfer Sharon’s Membership Rewards to my Delta SkyMiles account. I can also send my Membership Rewards to my dad’s ANA Mileage Club account, which is exactly what I did to help them have enough miles to book their trip to Bali and Thailand. When I did this, I added him as an authorized user to my account and a day later I could transfer the points. That’s no longer possible due to the 90-day hold period before you can make transfers to new authorized users.
Happy Sunday to all of our travel friends, both near and far! Here are some articles we’ve read from other bloggers (and other sources) that we think you may like, as well, so we’re passing them along.