AU fee questions

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CarefulBuilder14
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AU fee questions

Postby CarefulBuilder14 » Tue Aug 22, 2017 11:20 pm

Let's say I app for a card on Jan 1.

Feb 1, I add an AU.

July 1, I remove the AU.

Aug 1, I add a different person as AU.

If it was on Prestige, would I pay $50 for having one AU, or $100 for having two people as AUs?

If on Platinum, would it be $175x1 for having 1-3 AUs? Or $175x2=$350 for having 1-3 AUs, then having 0 AUs, then having 1-3 AUs again?

Does any prorating happen on the AU fees, either from when you add them or when you remove them? Are AU fees billed in the current statement, or in the next renewal?
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

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swipe_masta
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Re: AU fee questions

Postby swipe_masta » Wed Aug 23, 2017 2:34 am

For Prestige, I think it specifically stated in the fine print $50 for every authorized user, so $100 for two different users. In my case, I added an authorized user immediately, so the AU fee hit the same time my annual fee did, so my data points may be lacking. I no longer have this card, but IMO:

1. I would assume that the AU would be prorated just like an annual fee would be.
2. The AU fee incurs when you add them, not at the renewal (going back to #1 that the fee could be prorated if it hasn't been a full year), but again, my AU was immediate and hit with my annual fee.

Going by your example:
Feb 1, AU1 $50
July 1, AU1 removed (potentially prorated)
Aug 1, AU2 $50

What I do remember about the benefits is that AUs get Priority Pass, but not Admirals Club.

I don't have Platinum, but I believe it's $175 for up to three additional cards then $175 per card after that. so $175 total for the first three.

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CarefulBuilder14
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Re: AU fee questions

Postby CarefulBuilder14 » Wed Aug 23, 2017 11:42 am

swipe_masta wrote:For Prestige, I think it specifically stated in the fine print $50 for every authorized user, so $100 for two different users. In my case, I added an authorized user immediately, so the AU fee hit the same time my annual fee did, so my data points may be lacking. I no longer have this card, but IMO:

1. I would assume that the AU would be prorated just like an annual fee would be.
2. The AU fee incurs when you add them, not at the renewal (going back to #1 that the fee could be prorated if it hasn't been a full year), but again, my AU was immediate and hit with my annual fee.

Going by your example:
Feb 1, AU1 $50
July 1, AU1 removed (potentially prorated)
Aug 1, AU2 $50

What I do remember about the benefits is that AUs get Priority Pass, but not Admirals Club.

I don't have Platinum, but I believe it's $175 for up to three additional cards then $175 per card after that. so $175 total for the first three.

Actually, not even primary Prestige cardholders get Admirals access anymore! A major nerf was announced 14 months ago and took effect 1 month ago.

So you think the $175 covers up to 3 AUs for a year...even if there are 0 AUs at some point in time in the 12 months after the first AU is added?
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

swipe_masta
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Re: AU fee questions

Postby swipe_masta » Fri Aug 25, 2017 3:31 am

https://www.doctorofcredit.com/everythi ... -platinum/

The Schwab link in that article might be helpful to ya. But yeah, the way I read it, up to three for $175. Nothing about time frame so it should be covered if you add AU2 however much time after adding AU1.

Following example again:

AU1 $175
AU1 dropped
AU2 covered so long as within the one year of paying AU1 fee.

Do you think they would credit you back a prorated amount of the AU fee if you took AU1 off and didn't add AU2 for some time?

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CarefulBuilder14
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Re: AU fee questions

Postby CarefulBuilder14 » Fri Aug 25, 2017 11:30 am

swipe_masta wrote:https://www.doctorofcredit.com/everything-wanted-know-authorized-user-cards-american-express-platinum/

The Schwab link in that article might be helpful to ya. But yeah, the way I read it, up to three for $175. Nothing about time frame so it should be covered if you add AU2 however much time after adding AU1.

Following example again:

AU1 $175
AU1 dropped
AU2 covered so long as within the one year of paying AU1 fee.

Do you think they would credit you back a prorated amount of the AU fee if you took AU1 off and didn't add AU2 for some time?

That link just contains the same basic information I see elsewhere and doesn't answer my advanced question.

I'll contact Amex about it if and when I think of adding at least one AU.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card



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