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Amex Authorized User Transfer

Amex is Adding Restrictions on Transferring Points to Authorized Users

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Adding an authorized user to your Platinum Card from American Express or American Express Gold Card can be a great move. You can share some of the great travel perks and even some Membership Rewards points with friends and family.

But the sharing points part is about to get harder. You can only transfer points to frequent flyer accounts of people who are added as an authorized user on your card. And Doctor of Credit reports that beginning Sept. 1, 2019, Amex will only allow these transfers to authorized users that were added at least 90 days prior.

That builds in some significant lead time in order to transfer Membership Rewards points to friends and family members. Come this fall, any users who aren't already added to your card as an authorized user will need to wait at least three months.

As Doctor of Credit notes, this new restriction could help crack down on users bending the rules to sell points. And you've still got almost three months to send through any transfers easily before this restriction kicks in.

Read our guide on everything you need to know about adding an authorized user to your Amex card.


Our Analysis

This restriction makes sense, but it could still cause some trouble.

Luckily, there's plenty of time to add an authorized user and transfer points to their frequent flyer or hotel accounts. Here's the full list of American Express transfer partners.


ProgramTypeTransfer RatioTransfer Time
Aer LingusAirline1:1Instant
AeroMexicoAirline1:1.63-5 days
Air Canada AeroplanAirline1:1Instant
Air France/KLMAirline1:1Instant
ANAAirline1:11-2 days
British AirwaysAirline1:1Instant
Cathay PacificAirline1:1Instant
IberiaAirline1:1Up to 24 hours
Qatar AirwaysAirline1:1Instant
Virgin AtlanticAirline1:1Instant


This ability to transfer points to others' frequent flyer accounts is one of the best reasons to consider adding an authorized user. If you hold the American Express Platinum card, for example, you can add up to three authorized users for $175 per year. And it doesn't matter if you add just one or all three – you'll pay a flat $175 fee.

Considering you can then transfer points to friends and family and allow them to use travel perks like a Global Entry fee credit, it could make sense to add a user to your account. Platinum cardholders can also give an authorized user an American Express Gold Card for free, though that will cut out the travel perks.


Bottom Line

You've still got a few months to transfer Amex points to your authorized user's accounts unhindered. But it will pay to start thinking about who you might want to add to your Amex cards soon rather than later.


Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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