Select Amex cardholders can now earn up to 20,000 points by adding authorized users

Sep 22, 2020

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Editor’s note: This story has been updated with the latest information. 

With strict once-per-lifetime card bonus rules, it pays to take advantage of easy opportunities to earn extra Amex Membership Rewards points.

Recently, American Express sent out a round of emails to earn bonus points when adding authorized users. By adding users and meeting relatively modest spending requirements, you could walk away with up to 20,000 bonus Membership Rewards points.

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I received an offer to add authorized users to my American Express® Gold Card. The bonus is for 5,000 Membership Rewards points for every authorized added — with up to four per account. There also is also a spending requirement of $500 in the first three months for each authorized user in order to earn the bonus.

This is the same offer that we saw earlier this year so it’s nice to see it’s made a return later in 2020.

Related: Best ways to use Amex Membership Rewards points

Screenshot courtesy of Amex
Screenshot courtesy of Amex

Based on TPG’s valuations, which peg Membership Rewards points at 2 cents apiece, 20,000 points are worth $400. If you have any authorized users to add, that’s a fantastic deal given the relatively low spending requirements.

Best of all, Amex Gold cardholders can add up to five authorized users for no additional fee, then $35 per card thereafter (see rates & fees). Authorized users get all of the usual earning rates as the primary card holder, such as 4x points on dining worldwide and U.S. supermarkets (up to $25,000 in purchases per calendar year; then 1x), but do not get their own airline fee or dining credits.

Related: Everything you need to know about authorized users

Bottom line

Setting up someone to be an authorized user can give them a taste of financial independence or help establish credit for someone 18 years or older.

Keep in mind that becoming an authorized user for Amex will add to a person’s 5/24 score. However, when you apply for a 5/24 card, you can call the Chase reconsideration line and ask for the authorized user accounts to not be considered (although it’s not completely guaranteed this will work). While Amex allows just one welcome bonus per “lifetime” per card type, being an authorized user doesn’t make someone ineligible.

Even if you weren’t targeted for these offers, it can’t hurt to try calling in to see if they can add them to your accounts.


Featured image by Isabelle Raphael/The Points Guy.

Additional reporting by Benji Stawski.

For rates and fees of the Amex Gold Card, please click here.  

American Express® Gold Card

With some great bonus categories, the American Express Gold Card has a lot going for it. The card offers 4x points at restaurants worldwide, at U.S. supermarkets (up to $25,000 per calendar year; then 1x), and 3x points on flights booked directly with airlines or through

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More Things to Know
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
  • Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Intro APR on Purchases
Regular APR
See Pay Over Time APR
Annual Fee
Balance Transfer Fee
Recommended Credit
Terms and restrictions apply. See rates & fees.

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