(EXPIRED) Up to 20K Membership Rewards points w/ targeted AU bonuses

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American Express is sending out targeted email offers to earn 5,000 Membership Rewards points for each authorized user added to your account (after they spend $500 in the first 3 months) for up to four authorized users. That’s a nice and easy 20K if you are targeted and have people to add.

The Deal

  • Get 5,000 Membership Rewards points for adding an authorized user after they spend $500 in the first 3 months (up to 20K points for four AUs) with a targeted offer from American Express
  • Check your email or online account for this offer

Key Details

  • Offer ends November 30, 2019
  • Check the email details for any fee for additional cardmembers. For example, the Gold Card

Quick Thoughts

The biggest drawback in my opinion is that the authorized user (AU) account will (at least initially) count against someone’s 5/24 status — that is to say that the AU account will be included in Chase’s calculation of new accounts in the past 24 months. There are many reports of Chase reconsideration agents being willing to exclude AU accounts from the 5/24 count where the AU is not financially responsible for the account. However, if the AU account puts you over 5/24, it will necessitate that manual review.

That said, if your potential AUs are nowhere near being under 5/24 and/or don’t anticipate being under 5/24 any time soon, this can potentially be some nice and easy points. In the email, Amex even highlights \that you can add your teenagers (they must be at least 13 years old), which could be a good way to help them build history (and 5/24 won’t be a concern for a teen).

It’s also worth noting that many people had trouble with these bonuses failing to post last year. While this type of bonus should post automatically, it did require a lot of follow-up for some. Also keep in mind that gift card purchases are not advisable for meeting minimum spending requirements / spending bonuses, and that would include these AU bonuses.

Still, this is pretty low-hanging fruit. Five thousand bonus points for spending $500 is a pretty good deal if you can add the AUs.

Last updated on November 30th, 2019

About Nick Reyes

Nick Reyes is a (fairly) regular guy with an animalistic passion for maximizing the value of miles and money to travel the world in comfort and style. There is little in life that he loves more than finding a fantastic deal and helping you shop smarter & harder to achieve your travel dreams.

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Most other card issuers backdate the AU’s account opening date to match the account. Really wish Amex would do the same.

Related question: Have you ever seen a 24+-month backdated account affect 5/24? I’d like to add my wife to some seldom-used, old accounts to improve her score, but don’t want to limit her new card choices.


related question…does being an authorized user for an AmEx card -Aspire or Gold, e.g. – prevent you from later on getting a sign up bonus as the main applicant on that same card ? Or does AmEx consider that you’ve had the card before?


Hi Nick as you have said many have problems getting the bonus I’d like to share my five cents.
Got the same offer on my gold card in April but due in July, added 4 additional cards, completed the spending requirement. Only 10000 points posted and for the past 3 months I’ve opened 3 cases over the phone with amex agents regarding to the missing 10000 points. Honestly at this point I’m frustrated and don’t expect to receive the 10000 points which I feel I have every right to claim.
Then I got the offer in the article this morning, again. Not sure if I should give it another try as per the term, this offer is not “once a lifetime or a year.” Maybe i can get at least 10000 points if not 20000?


Can I add myself as an AU?


Are these ever offered on biz cards? I’ve done the personal ones in the past but have yet to see any on my BBP. I’ve been holding off adding my wife hoping for it.