Authorized Users

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Amex Business Cards Offering Bonus Points For Adding Authorized Users

Delta Gold Business Authorized User

A couple of days ago, American Express started sending out some targeted emails to business charge and credit cardholders. These offered the chance to earn bonus points or miles when adding employee cards and having them spend a certain amount on the cards. I didn’t receive any offers, but my wife received an email for her Delta Gold Business credit card. When adding an employee card, she’d earn 2,500 bonus miles when the employee spends…

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Earn points from authorized users. Is it worth it?

Authorized Users

Credit card companies want cardholders to add authorized users (AUs).  The hope is that more users will result in more spend which means more profit for the card issuer.  Because of this, it’s sometimes possible to earn points for adding authorized users.  But, is that a good idea?  There are both benefits and disadvantages to adding authorized users… Many credit card signup offers include bonus points for adding authorized users.  Chase does this with most…

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The Chase authorized user dilemma for 2 adult households

authorized user

When signing up for a new Chase card, should you add your spouse or other household member as an authorized user?  The combination of Chase’s 5/24 rule, Chase’s point transfer rules, and Chase’s signup bonus offers make the answer to this question surprisingly difficult.  The point transfer rules and the signup bonuses encourage adding authorized users, but the 5/24 rule discourages it.  I’ll explain… Chase’s 5/24 rule In the past year or so, Chase has…

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