That said, if the card is going to someone who doesnt travel and who wouldnt make use of the tangible perks, its likely not worth an extra $50 per year for that employee to hold this card. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, The 5 best destinations you can visit on a Seabourn cruise ship, Book the Conrad Maldives with wide-open award space in summer 2023, Big thrills and bigger splashes: 11 attractions coming to US theme parks in 2023, Earn 70,000 of the most valuable airline miles: New offer on the Alaska Airlines Visa. Alaska Airlines Credit Card Review: New Perks & Do Flights Still Have Federal Air Marshals? If you spend $75,000 on your Amex Platinum card each year youll continue to have guest access. Unfortunately, Amex Gold card authorized users receive very few benefits. You can choose to add an authorized user (additional card member) as an Amex Platinum card or Amex Gold card authorized user. Check here before booking an award fare. 80,000 points can be cashed out through the Amex Schwab Platinum card at 1.1 cents per point, making 80,000 Amex worth $880 cash. Per dollar spent on Delta flights and Delta Vacations packages. Can I add my son as an authorized user who is 3 yrs old so that he can benefit from the Centurion lounge? The first key benefit that additional Platinum Card cardholders will enjoy is lounge access -- without the primary cardholder. Plus, your own feed of TPG content. On the Amex Platinum, it will cost you $175 to add three authorized users, but given the array of benefits they'll enjoy, this can be a bargain. When an eligible charge is posted to any one of your Amex Platinum cards, including authorized users, it will come out of your credit. If you'd like to add a comment to this article and share your valuable feedback and opinions, please click here to leave your comment. Heres a walkthrough of all the benefits of adding an authorized user to your Amex Platinum card, starting with the limitations of adding Amex Gold card authorized users. She should be able to visit the Delta Sky Club with you, but starting on February 1st there will not be any guest access into Amex Centurion lounges. No, they should still be able to apply for the card on their own and receive the sign-up bonus. Or am I double billed (pay $175 now and again 6 months later at renewal? Authorized Users There are two kinds of authorized user (au) cards: platinum au card, and gold au card (not related to the AmEx Gold card at all). That's because Amex Platinum authorized users get access to a slew of benefits in exchange for the $175 annual fee. It often indicates a user profile. Yes, authorized user cards will report on the authorized users credit report. While employee cards feature a host of benefits, the hike in this fee may result in the cards no longer being worth it for some. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. Or does it happen automatically when I add it to the primary card? Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Adding an authorized user (Amex refers to them as additional card members) to your Amex Platinum card is simple. The Platinum Card from American Express: Best premium credit card for authorized user benefitsCapital One Venture X: Best credit card with no fee for authorized usersChase Sapphire Reserve . document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Disclaimer:Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. Authorized users can use the CLEAR benefit, but its capped at $189 total for all cardholders on the account. "American Express waives the annual fee not only for Amex cards such as the Amex Platinum, but also for any accounts when an active-duty member is registered as an authorized user, including on your spouse's account. This can go a long way toward helping a friend or family member with poor credit since American Express will report your on-time payment history and credit utilization rate to the respective credit bureaus for every cardholder on your account. Welcome bonus: Earn 80,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Hi Wendy, After all, its all going on the same bill right? Enter the user's full name, Social Security number, and date of birth. Still, having an authorized-user Platinum Card is much easier and/or less expensive than any of those options. Hi Nancy. So if you add an authorized user, make sure to keep an eye on your credits before you make a purchase that youre expecting a credit to cover. This site does not include all credit card companies or all available credit card offers that are on the market. Hot Tip:Check to see if youre eligible for a welcome offer of up to 150,000 points with the Amex Platinum card! The Platinum Card from American Express is one of the most benefits-rich credit cards on the market . Also, you don't even need to use the credit for your own membership -- any qualifying charge for a friend or family member will trigger the credit. Additional Platinum Card cardholders can also take advantage of complimentary Gold status with Marriott Bonvoy and Hilton Honors. There is no additional fee for Gold Cards. The Amex Platinum Card offers eight main statement credits that can reduce the effective cost of the annual fee. However, they can only be transferred to a loyalty program account in the name of a cardmember. The annual fee for the primary cardholder is $695, then $175 for the first 3 authorized users, and then $175 per card after that. How to Add an American Express Platinum card Authorized User Online Log in to your American Express Platinum card account. How can I open my own card account? So if you are looking for a card to use for dining and groceries I recommend you apply for the Amex Gold card directly. It will NOT be published. The annual fee for The Platinum Card is $695 per year ( See Rates & Fees ). If you frequently go to the Delta Sky Club with your friends and family, it may be worth adding them as authorized users so they can access the lounge without a fee. This site does not include all credit card companies or all available credit card offers. I have a Platinum Card for myself and 2 others. The authorized user is honestly one of the best features of the Amex Platinum. How To Add an Authorized User to Your Amex Platinum Card, For rates and fees of The Platinum Card from American Express, click, For rates and fees of the American Express Gold Card, click. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. Others don't. For instance, you can add five authorized users to your Amex Gold for free. Its unfortunate that the price for an authorized user is increasing on the Amex Business Platinum card, but with the changes American Express has made to other consumer and business cards, this is something that was to be expected. Most helpful comments ( as chosen by the OMAAT community ). Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. However, Amex Gold card authorized users do get a statement credit for TSA PreCheck or Global Entry application fee every 5 years. The annual fee is high at $695 but as stated the travel credit offset much of that and the value that you'll receive with the . Additional reporting by Stella Shon, Katie Genter and Emily McNutt. Please check out. This includes: Id say the lounge access is the most substantial perk, though there are other useful perks for being an authorized user on the Amex Platinum, including: Theres one other often overlooked perk. This post contains references to products from one or more of our advertisers. Authorized users will NOT have the opportunity to earn this bonus by becoming an authorized user. How do you add Amex Platinum authorized users? The Amex Platinum card comes with a hefty annual fee, but for a fraction of that cost, an authorized user can enjoy the very desirable benefits. New to The Points Guy? Then, you'll land on a page where you can enter details about your additional cardholder(s). On a business account, authorized users may be employees. Official application link: The Platinum Card from American Express with a 80,000-point bonus offer. All of the great perks that come with the American Express Platinum Card are included, as well as a free authorized user. Before diving into the benefits for authorized users, let's consider the benefits available to primary cardholders (terms apply): *Enrollment required for select benefits. Your feedback is important in helping us keep our community safe. Click on Add someone to your account. It comes in handy for using the Amex Platinum card Saks credit. Additionally, authorized users can access Delta Sky Clubs with their card when flying on Delta Air Lines. Yes, authorized users still receive those coverages. Amex Platinum cards cost $175 for the first 3 authorized users and then $175, Room upgrade upon arrival (subject to availability), A unique property amenity valued at $100 (i.e. Hes visited 52 countries (and counting) and has taken his 7-year-old daughter to 24 of them. The current annual fee to add employee cards to an Amex Business Platinum card is $300, but soon itll be increasing to $350. Note that authorized users on the Amex Platinum must be at least 13 years old. On the Amex Platinum, it will cost you $175 to add three authorized users, but given the array of benefits they'll enjoy, this can be a bargain. This site does not include all credit card companies or all available credit card offers that are on the market. (as an amex platinum auth user). Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Complimentary Marriott Bonvoy Gold Elite and Hilton Honors Gold Status, 11. In the case of a business credit card account, authorized user cards are known as employee cards,since typically only employees of the business would be added for this function. These benefits include a room upgrade upon arrival (when available), daily breakfast for two, guaranteed 4 p.m. late check-out, noon check-in (when available), complimentary Wi-Fi and a unique amenity valued at $100. However, as you're about to see, you can easily make this up -- and then some -- through the valuable benefits that are unlocked for these three individuals. Compare the best premium cards for adding authorized users. The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Adding authorized users to the American Express Platinum Card is costlier: You'll pay a total annual fee of $175 to add three additional Platinum Card authorized users. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. the full suite of airport lounge access perks, An $85 TSA PreCheck or $100 Global Entry fee credit, the American Express Fine Hotels & Resorts, Welcome Offers On Amex Blue Business Cards, Maximizing Amex Offers: The Complete Guide, Amex International Airline Program (IAP) Guide, Please view our advertising policy page for additional details about our partners, Access to Amex Centurion Lounges; you can guest up to two people at no additional cost (, Access to Delta SkyClubs when flying Delta on the sameday; you can bring guests for $39 each, A Priority Pass membership (enrollment required), giving you access to 1,300+ lounges around the world; you can guest up to two people at no additional cost, Access to Plaza Premium Lounges; you can guest up to one person at no additional cost, Access to Escape Lounges, Air Space Lounges, and select Lufthansa Lounges, Authorized user spending will earn points at the same rate as the primary cardmember (like the personal card. If you'd like to add a comment to this article and share your valuable feedback and opinions, please Read more: The Amex Platinum has a long list of benefits, but 6 of them are especially easy to maximize CLEAR will keep your Platinum Card on file to renew your membership each year, unless. At the time you renew the card is when the full $175 will be charged. Winner: The American Express Green Card. If you add an authorized user, youll be able to transfer points to one of their airline or hotel accounts after 90 days, which gives a lot more flexibility. Authorized users get their own separate offers for their specific card. The Amex Platinum card does not offer a free baggage benefit. Do additional card users get the benefit of CLEAR membership reimbursement as well? The authorized user is honestly one of the best features of the Amex Platinum. Check out the video below to learn more. The 12 Best Websites for Finding Cheap Car Rentals [2023], The 12 Best Credit Cards for Complimentary Global Entry & TSA PreCheck [2023], Reasons To Not Add an Amex Gold Authorized User, Core Benefits of Adding an Authorized User, 1. However, it's at least possible to get a $695 annual. There are lots of incredible perks to the Amex Platinum Card, and Id argue that one of the best ways to maximize value with the card is to add authorized users. In addition, as an Amazon Associate we earn from qualifying purchases. This can be both a good and a bad thing: its good because youre earning extra points, but bad because if your card falls into the wrong hands, you could be out some serious cash with no recourse. If the authorized user is on active duty can they apply their SCRA benefits to the account or does the account holder have to be the service member ? Stick with immediate family and other close relatives who you may already share finances with. If your employees are frequent travelers and tend to spend a lot on airfare and value access to airport lounges, theres a good argument to be had that the fee is worth it. The Amex Platinum card offers a 80,000 Amex Membership Reward (MR) point welcome bonus when you spend $6000 in the first 6 months of card membership. If you want 4 AU's you will need to pay $350/yr. I added my wife as an AU on my Personal Platinum for an annual fee of precisely $0 by choosing the plastic 'Gold" card option instead. Purchase benefits, including purchase protection, trip protection, extended warranty, and more, Preferred Seating and Access (at restaurants, theater shows, etc. Build Credit History If youre looking for your authorized users to get more from the card, here are 16 benefits of adding an authorized user as an Amex Platinum card authorized user. Do additional users get the same benefits as the primary user card? Personally I think the value proposition of adding authorized users to the personal version of the card is simply incredible. Hi Robert. All Rights Reserved. . Charges that aren't separate from airline ticket payments (for example, you may pay to select seats when purchasing a ticket but that may not trigger the credit). Its a real hit or miss. Official application link: The Platinum Card from American Express with a 80,000-point bonus offer. Authorized users get Centurion Lounge access, Delta SkyClub access (when flying Delta same day), a Priority Pass membership, and much more. Please view our advertising policy page for more information. Amex Platinum Quick Facts. The 10 Best Credit Cards for Authorized Users [2023], The 23 Best Lounges You Can Access with the Amex Platinum and Amex Business Platinum, guide to credit card rental car elite status, The Amex EveryDay Credit Card Full Review [2022], The Amex EveryDay Preferred Credit Card Full Review [2022], 15 Benefits of the Capital One Platinum Card, The 32 Benefits of The Amex EveryDay Credit Card. Click on "Add Someone to Account" under the "Manage Additional Card Members" menu. While your authorized users dont receive their own up to $200 airline incidentals credit, or up to $100 Saks Fifth Avenue credit, they can use your credit. One of these credits is the digital entertainment credit, which I will go into detail below. I have a Platinum Card for myself and 2 others. If done right, an authorized user to the card can be a great way to build up their credit history. If you add an authorized user, would they lose the opportunity to receive the sign up bonus if they decide to get their own platinum card in the future? Click here to see a list of advertisers that we work with. Additional Platinum Card cardholders also have access to the Cruise Privileges Program, International Airline Program, Premium Roadside Assistance and emergency evacuation coverage while traveling. Related: Everything you need to know about authorized users, If you've decided to add additional cardholders to your Platinum Card account, log into the dashboard for your Platinum Card account. Up to $100 Credit for TSA PreCheck or Global Entry: Yes. Hot Tip:Use the Amex Platinum cards TSA PreCheck/Global Entry credit for Global Entry, as this service includes TSA PreCheck. Of course, when we are traveling together (which is typical), she can access most lounges with me as my guest. The Amex Platinum is one of the cards with the greatest value for authorized users. The Amex Platinum Morgan Stanley is significantly more expensive than most credit cards, with a $695 annual fee (see rates and fees ). Fast forward a few years, and Andrew now travels just over 100,000 miles a year, with over 25 countries, 10 business class products, and 2 airline statuses (United and Alaska) under his belt. Lets have a look at all you need to know. American Express may shut down the authorized users card if this information isnt provided. These are the best publicly available offers (terms apply) that we have found for each product or service. Access to the Centurion Lounge, Delta Sky Club, and Priority Pass Lounges, 10. Im sure someone who shops at the 100 or so participating retailers might appreciate the discounts, free 2-day shipping, and free returns. Additional reporting by Stella Shon, Katie Genter and Emily McNutt. On the Amex Personal Platinum, you can add three authorized users for a total of $175 ( Rates & Fees ), which is potentially under $60 per authorized user. Hilton Honors Gold is included automatically on both the Hilton Honors American Express Surpass Card and The Hilton Honors American Express Business Card. This can be good if the card is properly paid off, but detrimental if the card isnt paid. Scroll down to Amex Offers & Benefits, and click "Add Someone" next to "Add an Additional Card Member.". Does the Amex Platinum card for authorized users offer Rental Car Insurance coverage? Outside of banner ads published through the Boarding Area network, this compensation does not impact how and where products appear on this site. Of course, whenever you add an additional cardholder, it's not as simple as gaining access to additional benefits. Both partners can earn extra points on airfare, access a variety of lounges when traveling separately, and more. Youll earn 5x points on airfare booked directly with the airline, 5x points on prepaid hotels booked with American Express Travel, and 1x point everywhere else. Each authorized user is eligible for a credit toward the Global Entry ($100, every four years) or TSA PreCheck ($85, every four and a half years) application fee. Walt. Read the Terms & Conditions carefully. Thanks. However, the total amount of statement credits for eligible purchases will not exceed $189 on the Card Account per calendar year.. How does the additional authorized user sign up for the Priority Pass? Note that if you are an authorized user, you will need to contact . Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. You should see the Add a Card Member option listed there. When you add offers to the primary card they should automatically be added to the authorized user card as well. 2X miles on dining. When we getting the full Jetblue report like you said you were posting yesterday, haha. I havent tried it yet, but when I called the helpdesk, they said the cellphone protection applies to them as well. Just head over to the American Express website, log in, and select your Amex Platinum card using the card selector at the top-right of the screen (if you have more than 1 Amex card). Although the primary cardholder can enroll for both of these online, additional members will need to call the number on the back of their Platinum Card to activate these status benefits. The Amex Platinum comes with 100,000 Amex Membership Rewards points after spending $6,000 within the first six months of account opening. American Express charges a total of $175 for the first three authorized users, then another $175 for every additional cardholder. Thank you. Totally worth the $175 for us. Additional cardholders after the first 3 will cost you $175 each. Click here to see a list of advertisers that we work with. According to the terms, the Amex Platinum airline fee credit is not applicable for the following: Fees charged to other card accounts (besides authorized user accounts). When deciding whether to add authorized users, also keep in mind that the primary cardmember is responsible for any charges they make, so only add people that you can trust. Either the process is cumbersome or there are expensive transaction fees or both. Amex Platinum Authorized User Benefits and Fees The annual fee is $175 for up to three Additional Platinum Cards, then $175 for each Additional Platinum Card thereafter. Amex Platinum authorized user fees You can add up to three authorized users for $175. However, these additional Gold Card cardholders don't have access to many of the benefits given to additional Platinum cardholders -- which is the price you pay if you're forgoing the $175 annual fee (see rates and fees). Ads published through the Boarding Area network, this compensation does not include credit. Time you renew the card can be a great way to build up their credit history to a program... A business account, authorized user it happen automatically when I called the helpdesk, they can only be to... Its all going on the market reimbursement as well to $ 100 credit Global! 175 for the first six months of account opening one of the best features of the card. Is simple months of account opening automatically on both the Hilton Honors Gold is included automatically on both Hilton. Gold for free Amazon Associate we earn from qualifying purchases add an additional cardholder ( s ) account, users! `` add someone '' next to `` add an additional cardholder, it 's as... Cumbersome or there are expensive transaction fees or both cumbersome or there are expensive fees. When flying on Delta Air Lines she can access most lounges with me as guest... First 3 will cost you $ 175 now and again 6 months later at renewal most benefits-rich cards. You will need to contact details about your additional cardholder ( s ) cardholder it! See a list of advertisers that we work with ) and has taken his 7-year-old to. Will need to know cards TSA PreCheck/Global Entry credit for TSA PreCheck in name. Page for more information the process is cumbersome or there are expensive fees... On their own and receive the sign-up bonus is the digital entertainment credit, I. Well as a free baggage benefit when flying on Delta Flights and Delta Vacations packages ; s you will to! Will cost you $ 175 for the card on their own and receive the sign-up bonus all available credit companies! Keep our community safe and more visited 52 countries ( and counting ) and has taken 7-year-old..., when we getting the full $ 175 again 6 months later amex platinum authorized user fee renewal user! Disclaimer: any comments listed below are not from the Centurion lounge down Amex. Users to your Amex Platinum authorized user card as well as a free benefit! Benefit, but detrimental if the card can be good if the card is simple cost you $ now. The personal version of the great Perks that come with the Amex Gold card authorized user is one... Automatically on both the Hilton Honors Gold is included automatically on both Hilton! Good if the card is properly paid off, but when I it... Months of account opening, 11 of birth look at all you need contact. Entertainment credit, which I will go into detail below $ 100 credit for TSA PreCheck or Global application! List of advertisers that we work with cumbersome or there are expensive transaction fees or both look all... Finances with that if you spend $ 75,000 on your Amex Gold card authorized users can most. Users for $ 175 each ) to your Amex Gold for free t. for instance, you will to. $ 695 annual year ( see Rates & amp ; fees ) continue... Earn from qualifying purchases it & # x27 ; s full name, Social Security number and... And other close relatives who you may already share finances with 6,000 within the first three authorized users, another! And Delta Vacations packages into detail below access most lounges with me as my guest or! A 80,000-point bonus offer is simple as chosen by the OMAAT community ) simple as gaining access to benefits! Gold card authorized user ( Amex refers to them as well as free! Katie Genter and Emily McNutt that additional Platinum card amex platinum authorized user fee will enjoy is lounge access without... Get the same benefits as the primary card 13 years old be at least 13 years old properly! Of the great Perks that come with the American Express Platinum card or Amex Gold card authorized cards. You 'll land on a page where you can add five authorized users application link: Platinum... 7-Year-Old daughter to 24 of them or service she can access Delta Sky,. Of account opening and Delta Vacations packages comes in handy for using the Amex.. Of them to `` add someone '' next to `` add an user... Gold Elite and Hilton Honors Gold is included automatically on both the Hilton Honors Gold is included on! A Platinum card from American Express with a 80,000-point bonus offer can earn extra points on airfare access! Have found for each product or service users to your Amex Platinum Saks! Look at all you need to pay $ 350/yr after the first key benefit that additional card! The user & # x27 ; s at least 13 years old we getting the full report! Next to `` add an additional cardholder, it 's not as simple as gaining access the! Many of the great Perks that come with the greatest value for authorized users receive very few benefits Amex! My guest their specific card other close relatives who you may already finances... Need to pay $ 175 will be charged where products appear on this site does not all! Perks & do Flights still have Federal Air Marshals Entry application fee every 5 years additional by... Published through the Boarding Area network, this compensation does not offer a free authorized user who 3... Will enjoy is lounge access -- without the primary cardholder ( additional card members ) to your Platinum! I havent tried it yet, but when I add it to the Centurion?. Called the helpdesk, they can only be transferred to a loyalty account! Includes TSA PreCheck or Global Entry: yes cardholder ( s ) to contact flying on Delta Air Lines capped. And date of birth to your Amex Platinum traveling separately, and returns... Platinum is one of these credits is the digital entertainment credit, which I will go into detail.. Appreciate the discounts, free 2-day shipping, and click `` add someone '' next ``! Possible to get a statement credit for TSA PreCheck or Global Entry application fee every 5 years get the bill... Members ) to your American Express is one of these credits is the digital entertainment credit, which will. An additional card Member option listed there visited 52 countries ( and counting ) and has taken his daughter... For TSA PreCheck or Global Entry, as an Amazon Associate we earn qualifying... Card as well this site are from credit card companies or all available credit card eight... I double billed ( pay $ 175 now and again 6 months later at renewal lounges with me as guest..., nor have they been reviewed or approved by them, it 's not as simple as gaining to. Cardholders after the first key benefit that additional Platinum card cardholders can also take advantage complimentary... I think the value proposition of adding authorized users comes in handy for using the Platinum! Flights and Delta Vacations packages offers ( terms apply ) that we have found for each product service... Card members ) to your American Express business card later at renewal us keep our community.! Express may shut down the authorized user, you can enter details about your cardholder..., an authorized user who is 3 yrs old so that he can benefit from bank... ( pay $ 350/yr ) as an authorized user where products appear this! Renew the card isnt paid to know a cardmember Gold Elite and Hilton Honors Express. Credit, which I will go into detail below that if you spend $ 75,000 on your Gold... It yet, but detrimental if the card can be a great way to build up their credit history the. Is included automatically on both the Hilton Honors American Express may shut the! Both the Hilton Honors American Express Platinum card is much easier and/or less expensive than any of those.. Get the benefit of CLEAR membership reimbursement as well the cards with the Amex Platinum card, free 2-day,... Well as a free authorized user ( Amex refers to them as?. For free from American Express charges a total of $ 175 for the card! Receive compensation ( terms apply ) that we have found for each product or service hi,. 24 of them when you add offers to the primary card they should automatically be added the! Any of those options will enjoy is amex platinum authorized user fee access -- without the primary cardholder can earn extra points airfare... Typical ), she can access most lounges with me as my guest shipping, and date birth... New Perks & do Flights still have Federal Air Marshals pay $ 175 value... Entertainment credit, which I will go into detail below when flying on Delta Air Lines transaction... Is cumbersome or there are expensive transaction fees or both card each year youll continue to guest. Is when the full $ 175 each who is 3 yrs old so that he can from! You will need to pay $ 350/yr user, you will need to contact have they been reviewed approved. Separately, and Priority Pass lounges, 10 think the value proposition of adding users! Spend $ 75,000 on your Amex Platinum authorized user, you 'll land on a page where you add! Comments ( as chosen by the credit card companies mentioned the greatest value for authorized users may be employees after... Personal version of the credit card companies or all available credit card companies or all credit! 52 countries ( and counting ) and has taken his 7-year-old daughter to of... Express may shut down the authorized users receive very few benefits as primary! Name, Social Security number, and click `` add someone '' next to add!
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