How to Multiply Your AMEX Offers Savings & Small Business Saturday Deals With Authorized Users

How to Multiply Your AMEX Offers Savings & Small Business Saturday Deals With Authorized Users

Million Mile SecretsHow to Multiply Your AMEX Offers Savings & Small Business Saturday Deals With Authorized UsersMillion Mile Secrets Team

Disclosure: We get a commission for links on the blog. You don’t have to use our links, but we’re very grateful when you do. American Express, Capital One, Chase, and US Bank are Million Mile Secrets advertising partners. Opinions expressed here are the author's alone, and have not been reviewed, approved or endorsed by our partners.

Update:   American Express will NOT offer statement credits on Small Business Saturday this year.

Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers.

Do you know the trick some folks are using to multiply the great money-saving AMEX deals?

Adding authorized users to their account!

This can help you get the most out of deals like AMEX Small Business Saturday, which returns on November 28, 2015.  

Last year I saved $30 per AMEX card on Small Business Saturday.  Along with AMEX Offers, this is 1 of my favorite American Express card perks!  And by adding authorized users to your card, you can save even more!

How To Multiply Your AMEX Offers Savings Small Business Saturday Deals With Authorized Users
Cha-Ching! You Can Really Cash In on AMEX Offers & Small Business Saturday by Adding New Users to Your Credit Card Account

I’ll tell you everything you need to know about authorized users and explain how they can multiply your savings!

More Savings & Other Perks of AMEX Authorized User Cards

Link:   AMEX Small Business Saturday’s Back for 2015!

Link:   How to Register for AMEX Offers

Along with sign-up bonuses and miles & points for spending on American Express cards, you can also earn for shopping with your card at certain retailers.

Better yet, additional cardholders on your account will also receive targeted deals from AMEX Offers.  And in the past they’ve been eligible for AMEX Small Business Saturday!

With Small Business Saturday happening in a few months, you could potentially save a lot of money by adding authorized users to your cards.

We still don’t know the details about how much you can save this year, but last year you could earn 3 $10 credits at local businesses on EACH of your AMEX cards.

If the deal is the same this year, when you add 4 family members to each of your 4 AMEX cards, you’ll get a total of $600 in savings for the holidays (5 people including you X 4 cards = 20 cards x $30 each = $600)

How To Multiply Your AMEX Offers Savings Small Business Saturday Deals With Authorized Users
$600 in Statement Credits Will Put a Lot of Presents Under the Tree! Not to Mention the Savings You Can Earn on Everyday Purchases

There are other great reasons to add family members to your account:

And authorized users can still earn the sign-up bonus, if they decide to sign-up for the same AMEX card down the road.

There Are Some Risks to Adding Folks to Your Account!

Link:   Authorized Users Can Be Good & Bad

While there are wonderful advantages to adding an authorized user, there are also drawbacks, such as:

  • Liability – You’re ultimately responsible for any charges authorized users make on your account.  So only add responsible folks you trust!
  • Exceeding Your Credit Limit – An additional user’s purchases count towards your credit limit.  This puts you at a greater risk of going over your limit.  So you may need to keep a close eye on the spending for both accounts.  I never let my current balance exceed more than ~30% of my credit limit.
  • Your Credit Score Could Take a Hit – If anything goes wrong, it’s your credit score that’s on the line.
How To Multiply Your AMEX Offers Savings Small Business Saturday Deals With Authorized Users
Only Add Someone You Trust and You’ll Want to Keep a Close Eye on Your Account to Be Sure They’re Acting Responsibly

To minimize these risks, set spending limits and alerts on authorized user cards.

And if you want to add a family member who doesn’t like dealing with credit, you could create an authorized user account with their permission and hang onto the card.  Thank them later by letting them enjoy some of the discounts!

Some folks add their teenage children but never give them the physical credit card.  That way, they don’t have to worry about misuse of the card but their child’s credit score rises because the credit is handed responsibly.  And the parent uses the card for the added discounts!

How to Add Authorized Users to Your Account

You can call the number on the back of your card to add an authorized user.  Or you can do it online by signing-into your AMEX account.

For example, If you’ve recently signed-up for the AMEX Starwood personal and small business cards to take advantage of the increased sign-up bonus of 30,000 Starwood points, here’s how to add an additional user.

Step 1 – Log-in & Go to Your Profile

Sign into your American Express account and click the “Profile” tab.

How To Multiply Your AMEX Offers Savings Small Business Saturday Deals With Authorized Users
Visit Your Account Profile to Get Started on Adding an Authorized User

Step 2 – Click “Card Management” and Manage Card Members

Next, go to “Card Management” and select “Add Someone to Your Account.”

How To Multiply Your AMEX Offers Savings Small Business Saturday Deals With Authorized Users
Clicking on “Add Someone to Your Account” Will Get You to the Form for Additional Cardholders

Step 3 – Complete the Form

Add your friend or family member’s information to the form. The new cardholder must be 15 or older and you’ll need to provide their social security number.

How To Multiply Your AMEX Offers Savings Small Business Saturday Deals With Authorized Users
Complete This Form to Add an Additional Cardholder to Your Account

You may even be able to add yourself as an authorized user on your own card.  (Although I don’t recommend this.)

Most AMEX cards allow you add up to 99 authorized users.  However, some folks say adding more than a couple additional users to their card triggered a financial review.  So be careful!  

Also, read the fine print because some cards charge annual fee for adding authorized users.

Here are some examples:

  • American Express Premier Rewards Gold – No annual fee for 1st 5 additional cardholders and for 6 or more additional cards there’s a $35 annual fee per card.
  • The Platinum Card from American Express – $175 total annual fee for up to 3 additional cards and $175 for each following card.  Authorized users also get lounge access, TSA pre-check or Global Entry credit, and Starwood Gold status.
  • Starwood Preferred Guest from American Express  – No annual fee for adding cardholders.

You can also add authorized users to AMEX Bluebird and Serve cards.  These also qualify for Small Business Saturday and AMEX Offers.

Bottom Line

You can save more with AMEX Offers and possibly Small Business Saturday, by adding authorized users to your AMEX credit cards.

However, there are potential drawbacks because your credit can be impacted by any poor decisions your authorized user makes.  So do NOT do this unless you completely trust that your friend or family member will act responsibly.

That said, you can monitor their accounts closely and set spending limits to make sure you’re protected.  And this is an easy way to earn statement credits with your American Express cards!

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"Is there an American Express Statement Credit Offer for Card Members for Small Business Saturday this year?"

"This year we are not offering a statement credit offer for Card Members on Small Business Saturday, but are instead increasing the support and resources we provide to help small business owners market the day within their communities and truly make it their own. Learn about the materials we make available at "

thanks for this informative post 🙂

my wife has an Amex in her name and has an online account. If i add her as an AU on three cards, can i have the AU accounts linked to her original own AMEX acct? If so, how?

If not, does that mean each AU account will be set up individually? So, she would have three different AMEX account logins(four counting her own)?


@CRYS - Yes, authorized users will have a different card number.

@Lynn - Thanks for chiming in!

@WC - Authorized users can set-up their own online account.

As AMEX offers are displayed in the account/offers tab how does an AU get those offers ? My understanding is that adding an AU gets them a card only and that the primary is the only one who can admin the account through the account page I.e the AU would not have a login on AMEX to see the card etc. So when you mention they have the ability to benefit from offers are you meaning using the other avenues only like Twitter & Facebook or does AMEX actually allow an AU limited account access over the card you are granting them through a login ?


Each card has different number.

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