With the recent introduction of the American Express® Gold Card (which was formerly known as the Amex Premier Rewards Gold Card), I’ve received quite a few questions about whether authorized users on The Platinum Card® from American Express receive this improved earning rate as well.

Let me explain where this confusion/question comes from, and of course answer the question.

The Amex Platinum Card has great benefits

The Platinum Card® from American Express has lots of great perks that more than justify the $550 annual fee for me. Among other things, the card offers:

I primarily like The Platinum Card® from American Express for the Amex Centurion Lounge access, Delta SkyClub access, and 5x points on airfare purchased directly from airlines.


Access Amex Centurion Lounges with the Amex Platinum Card

The way I view it, the $200 annual airline fee credit, $200 annual Uber credit, and $100 annual Saks credit help greatly offset the annual fee, making my real cost for lounge access next to nothing.

The two authorized user options on the Amex Platinum Card

This is where the confusion starts. If you have The Platinum Card® from American Express you have two options for adding authorized users.

The first option is to add up to three Platinum authorized users for a total of $175. I consider this to be an exceptional value, since the authorized users get Amex Centurion Lounge access, Delta SkyClub access, a Priority Pass membership, and more. Getting the most comprehensive lounge access perk offered by any credit card for under $60 per person per year is an excellent value, in my opinion.

But there’s another option that American Express added not too long ago. You can now add up to 99 authorized users on the Platinum Card, though the authorized users will get a Gold Card rather than the Platinum Card.

This is a great low cost option if you’re looking to add authorized users who can spend on your account without actually having them get the benefits.

What rewards do authorized user Gold Cards get?

So this gets at the question I’ve been asked several times, which is along the lines of:

“Could I just add Gold Card authorized users on the Platinum Card, and they’d start earning the amazing 4x points at U.S. restaurants and U.S. supermarkets that the new Amex Gold Card offers?”

Unfortunately not.

If you get a Gold Card from being an authorized user on The Platinum Card® from American Express, you earn 5x points on airfare purchased directly from airlines and through amextravel.com, and one point per dollar on all other purchases. The return on spend exactly matches that of the Platinum Card.

You’d have to directly have the American Express® Gold Card, or be an authorized user on the Amex Gold Card, to earn 4x points on U.S. dining and 4x points on U.S. supermarkets (on up to $25,000 of spend per calendar year).

So even though both cards have the title of “Gold Card,” the benefits are different based on how you get the card.

Bottom line

If you apply for the American Express® Gold Card you earn the incredible return of up to 4x points. You can add authorized users, and they’d earn the same return on spend.

However, if you add Gold Card authorized users to The Platinum Card® from American Express, those cardmembers would still earn points based on the Platinum Card rewards structure, and not based on the Gold Card rewards structure.

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