Does American Express Charge for Authorized Users?
American Express is one of the most popular credit card companies in the United States, offering a range of benefits and rewards to its cardholders. One common question that arises among potential cardholders is whether American Express charges for authorized users. In this article, we will explore this topic and provide you with all the necessary information to make an informed decision.
Understanding Authorized Users
An authorized user is someone who is allowed to use a credit card but is not the primary cardholder. This could be a family member, friend, or employee. The primary cardholder can add an authorized user to their account and set spending limits, which can be helpful for budgeting or managing finances.
Does American Express Charge for Authorized Users?
Contrary to popular belief, American Express does not charge for adding authorized users to a credit card account. This is a significant advantage for cardholders who want to share their benefits with others without incurring any additional fees. However, it is important to note that the primary cardholder is responsible for the authorized user’s charges, so it is crucial to set appropriate spending limits and monitor the account regularly.
Benefits of Adding an Authorized User
Adding an authorized user to an American Express credit card account comes with several benefits. Firstly, it allows the primary cardholder to build credit for the authorized user, which can be helpful for those who are just starting to establish their credit history. Secondly, it provides the authorized user with access to the card’s rewards and benefits, such as cash back, points, or miles.
Responsibilities of the Primary Cardholder
While adding an authorized user is free, the primary cardholder has certain responsibilities. It is essential to set spending limits for the authorized user to prevent overspending and to ensure that the primary cardholder remains in control of the account. Additionally, the primary cardholder should monitor the account regularly to detect any fraudulent activity or unauthorized charges.
Conclusion
In conclusion, American Express does not charge for adding authorized users to a credit card account. This feature can be a valuable tool for sharing benefits and building credit, but it is important for the primary cardholder to maintain control and monitor the account closely. By understanding the responsibilities and benefits of adding an authorized user, you can make the most of your American Express credit card account.
