The Amex authorized user bonus for October 2025 is a great opportunity to earn bonus points by adding an authorized user to your American Express account after meeting a minimum spend.
Plus, many Amex cards don’t charge a first or even a second authorized user fee, so these are literally free.
It’s a smart way to add a spouse, a partner, or even a teen who is at least 13 to your account while earning bonus points.
With a limited-time Amex bonus points offer for adding authorized users running until October 30, 2025, now is the ideal time to take advantage of this offer.
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How the Offer Works
Multiple American Express cards qualify for this Amex authorized user bonus in October 2025.
However, these four stand out, with the Amex Cobalt as the one you should not skip.
The offer is valid until October 30, 2025, and full details can be found directly on the Amex website.
- American Express Cobalt earns 10,000 Membership Rewards points after spending $2,000 in the first three months for each card added, up to two supplementary cardholders for free. With a total of 20,000 bonus points, this offer is one you shouldn’t miss.
- American Express Gold Rewards earns 10,000 Membership Rewards points after spending $2,000 in the first three months for each card added, up to two additional cards. The first supplementary cardholder is free.
- Marriott Bonvoy American Express earns 10,000 Marriott Bonvoy points after spending $2,000 in the first three months for each card added, up to two supplementary cardholders for free. With a total of 20,000 bonus points.
- American Express Platinum earns 30,000 Membership Rewards points after spending $6,000 in the first three months for each card added, up to two supplementary cardholders. With a total of 60,000 bonus points. Keep in mind that there is a $250 annual fee for each supplementary card. However, they get premium Platinum benefits like lounge access.
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My Experience
I decided to take advantage of the Amex authorized user bonus in October 2025 by adding both my spouse and my teen as authorized users to my Amex Cobalt Card.
They use their card for everyday expenses like food and gas, so reaching the $2,000 spending in 3 months is easy. Unlocking 2 X 10,000 bonus points, which I value at about $400 in travel rewards, has been easy and truly rewarding.
Before you add an authorized user, keep a few things in mind:
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New to Points? Start Here
From points newbie to booking your first trip
Learn everything you need to know to start using credit cards, points, and travel loyalty programs. Make your first redemption with points for nearly free travel.
How to Add an Authorized User
Adding an authorized user with the Amex authorized user bonus in October 2025 is quick and straightforward.
- Visit the Amex additional card page.
- Select your card.
- Click “Add a Card”
- Enter your authorized user’s details and submit your request.
Once the supplementary card arrives, make sure you meet the spending requirement within the three-month window to trigger the bonus. Get more tips on meeting the minimum spending requirement here.
Check out the complete guide to American Express authorized users in Canada here.
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A common myth is that being an authorized user prevents you from applying for the same card later or earning a welcome bonus. This is not true.
Being an authorized user does not affect your ability to get approved for your own card or to collect the full welcome bonus in the future.
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Bottom Line
Adding an authorized user to your Amex account is one of the easiest ways to collect extra points outside of a new card sign-up bonus. With this offer running until October 30, 2025, now is the best time to take advantage of this offer.
The Amex Cobalt Card stands out with no annual fee for up to two supplementary cards and unbeatable everyday earn rates. Adding an authorized user to your Amex Platinum Card will allow you to earn 30,000 bonus points per added user in addition to their lounge access.
If you have a trusted family member, it is worth adding them to your account before the deadline. Be sure you have a plan to meet the minimum spend and that you are comfortable being responsible for all charges.
