Amex Joint Account Benefits and Features Explained

Having a joint American Express account can be a great way to share expenses and build credit together. You can add up to five authorized users to your account.

One of the benefits of a joint Amex account is that you can earn rewards points together. For example, if you have the Amex Platinum card, you can earn 5x points on air travel.

You can also enjoy exclusive benefits like airport lounge access, which can be a huge perk for frequent travelers.

Having a co-owner on an Amex joint account can be a great benefit, especially if you're sharing expenses with a partner or family member.

With a joint account, both owners have full access to the account and its balance, making it easy to manage finances together.

Each account owner gets their own Debit Card, allowing them to make deposits and withdrawals, and dispute any transaction on the account.

You can also close the account together if needed, giving you flexibility and control.

The first named account owner earns Membership Rewards points when any account owner uses their Debit Card for purchases.

Only the first named account owner can redeem points, so make sure to keep track of who's making purchases and who's earning rewards.

Membership Rewards are a great perk of an American Express joint account, but there's a catch. Eligible transactions on both owners' Debit Cards will earn Membership Rewards points to the first named account owner's Membership Rewards account.

The first named account owner is the only one who can redeem those points, and the second named account owner won't be able to access that Membership Rewards point balance.

You can review the Membership Rewards Program Terms and Conditions at membershiprewards.com/terms if you want to know more about the specifics of how it works.

The American Express Joint Account offers a welcome bonus of 25,000 Membership Rewards points for new applicants.

This bonus is a great way to get started with your joint account, and can be redeemed for a variety of rewards, such as travel or gift cards.

To qualify for the bonus, you and your joint account holder must be approved for the account, and you must make a minimum of $3,000 in purchases within the first 90 days.

The bonus will be credited to your account after the 90-day period has ended, and you can use it to redeem rewards at your convenience.

The Membership Rewards program offers a range of redemption options, including flights, hotel stays, and merchandise.