cancel
Showing results for 
Search instead for 
Did you mean: 

Platinum Authorized User Question

tag
LunaBuna
Regular Contributor

Platinum Authorized User Question

A Platinum holder can put three Authorized Users (AU) onto their card as Platinum holders, and a few Gold cards for free.  So my question is, if you invoke the Gold Card option, do you earn points at the Gold Care rate as in 4 pts at restaurants etc, or at the Platinum rate?

 

If at the Gold rate, would it be possible to add yourself as the Gold card holder, use the Gold card when it makes sense for the additional point earning and still reap the Platinum benefits?


Message 1 of 10
9 REPLIES 9
Anonymous
Not applicable

Re: Platinum Authorized User Question

It still earns at the platinum rate. It’s my understanding that it keeps you from extending Platinum benefits to multiple people. Like issuing one to your family so they can’t all use it as a free lounge ticket or status at hotels without paying the AF for AUs.

You rich Platinum users thinking you can come down to our level without us knowing? You gotta take that 250 AF like the rest of us! Smiley Wink
Message 2 of 10
Anonymous
Not applicable

Re: Platinum Authorized User Question


@Anonymous wrote:
You rich Platinum users thinking you can come down to our level without us knowing? You gotta take that 250 AF like the rest of us! Smiley Wink

Hahahahaha! Pay the $250 AF so you can earn as we do, haha! 
Anyways, like it was said, authorized users of the Platinum card receive "gold cards" but not the same "gold card" that people get when they apply for the gold card online. Confusing? Sorry, haha! To make it easier, the authorized users would be earning multipliers based on the Platinum multipliers. These "gold cards" are an extension of the Platinum card but without the super thick card and I'm not too sure about Centurion lounge access.

Message 3 of 10
LunaBuna
Regular Contributor

Re: Platinum Authorized User Question

Thanks all for being so willing to spend my money.

 

I have contemplated having both the Platinum and the Gold as yu have recommended.   I travel two to three times a month and have the Platinum due to this as it is the best deal for airport lounges and other beneftis.  I do not gain much on the Platinum points as my company pays for my tickets.   I do need to see if i can buy and just be reimbursed.   I spend about 1500 a month on Amex so i need to just calculate what the benefit would be with holding the gold in addition.   I woudl say about 750 is restaurants so that would be 4 points on that.  I guess that worked out to 36K points a year.   That maybe enough to put me in the plus column on the Gold.


Message 4 of 10
Anonymous
Not applicable

Re: Platinum Authorized User Question

So... You get Gold earn rate (4x restaurants, groceries) but not the extended benefits. Correct?
Message 5 of 10
Anonymous
Not applicable

Re: Platinum Authorized User Question

You earn 1X on dining with the AMEX Platinum Authorized Gold cards lol

Obviously, if you could figure out the tickets being reimbursed, that would be awesome but for how much you travel (assuming airports) lounge access is reason enough.

Gold card would be a good pickup in my opinion as long as you are sold on MR. You would spend enough to make it worth it.
Message 6 of 10
Anonymous
Not applicable

Re: Platinum Authorized User Question

Dang there goes my plan to spend 5k on groceries w/ Schwab Platinum AU Gold lol
Message 7 of 10
Shadowfactor
Valued Contributor

Re: Platinum Authorized User Question

The platinum card has 2 levels of AU accounts. Both have the same rewards structure as the Platinum. Both cards share the same credits ( no doubling of credits)

 

AU $175 fee for up to 3 cards

GE credit

Delta Skyclub Access

Amex Centurion Lounge

Priority Pass Membership

THC/FHR access

 

AU Gold card $0

GE credit

Ability to make charges

 

If you are only adding one person its a tough value proposition to pay $175 for lounge access but if the person travels enough it would be well worth it.

 





Total Revolving Limits $254,800

Message 8 of 10
Anonymous
Not applicable

Re: Platinum Authorized User Question

I recently added an authorized user and they were sent a gold card by mistake (I'd ordered it by phone and the agent also misspelled the name).

 

Not only doesn't it earn like the Gold Card, but it's an old-style gold card - plastic, raised numbers, etc.

 

 

Message 9 of 10
LunaBuna
Regular Contributor

Re: Platinum Authorized User Question

What I have decided to do, is go with the Cap 1 Savor family.  Unsure if Savor or Savor One.  Leanning Savor One to avoid the 95 dollar fee.


Message 10 of 10
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.