Additional Card vs. Separate Application
When you add someone as an additional cardholder on your American Express Platinum card, the additional card earns Membership Rewards points at the same rate as the primary card. However, the additional cardholder does not receive any benefits that come with the Platinum card, such as lounge access or hotel status. The additional cardholder is not eligible for the welcome offer or annual fee waiver.
Alternatively, if that person applies for their own Platinum card separately, they can receive the welcome offer and access to all Platinum benefits, but they will be responsible for the annual fee.
Key Considerations
- With an additional card, the primary cardholder controls the spending and rewards, and the additional cardholder has no separate credit history.
- A separate application builds the applicant’s own credit history and allows full access to Platinum benefits, but at the cost of the annual fee.
Frequently Asked Questions
Does the additional cardholder earn rewards?
Yes, the additional card earns Membership Rewards points at the same rate as the primary card.
Does an additional cardholder get the Platinum benefits?
No, additional cardholders do not receive Platinum benefits such as lounge access or hotel status.
Can an additional cardholder get the welcome offer?
No, only the primary card is eligible for the welcome offer. If you want the welcome offer, you must apply separately.
What is the main difference in terms of fees?
An additional card typically has no annual fee, while a separate application requires paying the Platinum annual fee, unless waived under certain terms.
Conclusion
Choosing between an additional card and a separate application depends on whether the secondary person values access to rewards and benefits more than credit building and the welcome offer. The additional card is cost-effective for earning points, but a separate application unlocks full benefits and credit-building potential, albeit with an annual fee.