This is to ensure that credit hasnt already been tapped by an authorized user. Opinions expressed here are the authors alone, and have not been reviewed, approved or otherwise endorsed by any of these entities. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. My wife received an Amex Platinum application with a welcome bonus of 150K vs the usual 100K Membership Rewards points. And by adding an Amex Platinum authorized user, your travel companion can share many of them. Or, since many lounges limit guests to two companions -- if guests are included at all -- it can be a good perk if you travel with a family larger than three. We take your comments very seriously as they really help us to improve the site. For one, authorized users get the full suite of airport lounge access perks, which Id argue are the best offered by any premium credit card. All of the great perks that come with the American Express Platinum Card are included, as well as a free authorized user. The posts clearly discusses Authorized Users that cost $175/year (for up to 3 cards and then $175/card after that). 2023 Upgraded Points, LLC. Either the process is cumbersome or there are expensive transaction fees or both. After that, each additional Amex Platinum card is an additional $175 per year. Once you (as the primary cardholder) select an airline of choice, purchases by you and your authorized users will count toward the $200 annual credit. If your employees are frequent travelers and tend to spend a lot on airfare and value access to airport lounges, theres a good argument to be had that the fee is worth it. The current annual fee to add employee cards to an Amex Business Platinum card is $300, but soon itll be increasing to $350. Transfer Membership Rewards Points to Authorized Users Loyalty Program Accounts, Benefits of Adding Amex Platinum Card Authorized Users, 9. However, Amex Gold card authorized users do get a statement credit for TSA PreCheck or Global Entry application fee every 5 years. Adding authorized users to the American Express Platinum Card is costlier: You'll pay a total annual fee of $175 to add three additional Platinum Card authorized users. American Express Gold Card. Yes, Amex Platinum authorized users have access to the Amex International Airline Program. Unlike most credit cards, the Amex Platinum card comes with a $175 annual fee for authorized users. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. American Express Platinum: At a glance. Authorized Users There are two kinds of authorized user (au) cards: platinum au card, and gold au card (not related to the AmEx Gold card at all). Many people pick up these cards not because of the return they offer on everyday spending, but rather because of all of the perks of being a cardmember. This site does not include all credit card companies or all available credit card offers that are on the market. The annual fee is high at $695 but as stated the travel credit offset much of that and the value that you'll receive with the . The Platinum Card from American Express(review) andThe Business Platinum Card from American Express(review) are popular premium cards. The following links will direct you to the rates and fees for mentioned American Express Cards. Authorized users get access to all of the included perks. Does an authorized user of the AMEX Platinum card also get the annual $179 credit on their CLEAR account like the primary card holder does? This site does not include all credit card companies or all available credit card offers. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. With 5x earnings on airfare and prepaid hotels booked with Amex Travel, having an authorized user spending on the card will help you earn more bonus points faster. Additional cardholders can't enroll online; they need to call the number on the back of their Platinum Card to enroll. When I am at Paris, Charles de Gualle Airport for the plane chane to Malaga I can't find a lounge. The premium cards also offer these benefits for authorized users, but with higher fees. Terms apply to the offers listed on this page. Related: Guide to hotel elite status with the Amex Platinum and Business Platinum. Hi Terry. It will NOT be published. Earn a $50 statement credit after the Authorized User spends $1,000 within the first 6 months. The Platinum Card from American Express: Best premium credit card for authorized user benefitsCapital One Venture X: Best credit card with no fee for authorized usersChase Sapphire Reserve . Others don't. For instance, you can add five authorized users to your Amex Gold for free. Hi Nancy. Keep in mind that there are other ways to get Marriott and Hilton status through credit cards: Marriott Gold Elite is included automatically on the Marriott Bonvoy Brilliant American Express Card and Marriott Bonvoy Business American Express Card. Do additional card users get the benefit of CLEAR membership reimbursement as well? The Marriott Bonvoy Boundless Credit Card allow you to earn Gold Elite status when you spend $35,000 on purchases each account year. Adding an Amex Platinum card authorized user is most beneficial for couples who travel often. - Alex & Erin. It will NOT be published. Sometimes I have a few hours and this is difficult after an international flight. The Amex Platinum Morgan Stanley is significantly more expensive than most credit cards, with a $695 annual fee (see rates and fees ). Again, make sure the authorized user is someone you can trust. Points can be redeemed for travel, gift cards, and merchandise. 2X miles on dining. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. The Amex Platinum card has a very attractive welcome offer, but it requires a fair amount of spending to earn it. Welcome bonus: Earn 80,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. From lounge access to elite status to reimbursed Global Entry and TSA PreCheck application fees, authorized users can reap the benefits of a main cardholder for a fraction of the cost. If you want 4 AU's you will need to pay $350/yr. However, it's at least possible to get a $695 annual. With many of the Platinum Card's perks being offered by competing credit cards, it may not make sense for some travelers to pay this large annual fee. This site does not include all credit card companies or all available credit card offers. Platinum Charge card members will presumably already met the income requirement, and with no annual fee to pay, getting this card is a no brainer. Additional Platinum Card cardholders can also take advantage of complimentary Gold status with Marriott Bonvoy and Hilton Honors. Thanks. Authorized users on the Amex Business Platinum card and additional Amex Gold card users receive access to Global Entry or TSA PreCheck fee reimbursement, up to $100 every 5 years. We'll run a soft credit check to find special offers, but it wont affect your credit score. It comes in handy for using the Amex Platinum card Saks credit. What Benefits Arent Available to Amex Platinum Authorized Users? Authorized users arent given monthly Uber credits, either. 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If you add an authorized user, youll be able to transfer points to one of their airline or hotel accounts after 90 days, which gives a lot more flexibility. Read the Terms & Conditions carefully. In fact, you'd almost make up the $175 annual fee for three additional cardholders with just five visits to Delta SkyClubs across the year -- and this doesn't even factor in any usage that the authorized users would get when traveling alone. Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, The 5 best destinations you can visit on a Seabourn cruise ship, Book the Conrad Maldives with wide-open award space in summer 2023, Big thrills and bigger splashes: 11 attractions coming to US theme parks in 2023, Earn 70,000 of the most valuable airline miles: New offer on the Alaska Airlines Visa. Fast forward a few years, and Andrew now travels just over 100,000 miles a year, with over 25 countries, 10 business class products, and 2 airline statuses (United and Alaska) under his belt. Generally, transferring points and miles from one members airline or hotel loyalty program account to another can be difficult. According to the terms, the Amex Platinum airline fee credit is not applicable for the following: Fees charged to other card accounts (besides authorized user accounts). Then, read the terms and click theAgree & Submitbutton at the bottom of the page to order your authorized user cards. These offers usually give extra points or cash-back on purchases at select merchants, so make sure to check the Amex Offers section of your authorized users online account frequently. As you might expect, the moral of the story is to ideally add authorized users to the personal version of the Amex Platinum, rather than the business version (though I get thats complicated, depending on your needs). Years later, he started, The 8 Best Boutique Hotels in Boulder [2022], The 10 Best Boutique Hotels in Santa Fe [2022], For rates and fees of The Business Platinum Card from American Express, click. If that's the case I will add a gold AU to my account. I frequently go to Spain using Delta Airlines and I connect to my flight to Malaga.. If one adds additional Platinum card member mid-year, is full $175 fee charged or is it pro-rated for half year? This post contains references to products from one or more of our advertisers. There are many reasons why you'd want to add authorized users to your travel credit cards. Also, you don't even need to use the credit for your own membership -- any qualifying charge for a friend or family member will trigger the credit. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. For perks-rich cards, theres often value in adding authorized users, so that you can share your benefits with loved ones and close friends. For large corporations that value employee travel benefits, the annual fee can definitely be justified, though a lot of smaller businesses may have to look and see if the increased annual fee changes the value proposition of the card. And there is no limit to the number of authorized users you can have. Per dollar spent on eligible hotel purchases. American Express Global Lounge Collection. Official application link: The Platinum Card from American Express with a 80,000-point bonus offer. This works with no fee Green and Gold authorized user cards too. Amex Platinum card authorized users which come with more benefits like lounge access cost $175 per year for the first 3 authorized users. You also have the option of adding their social security number if you dont add it at this point, youll have to add it within 60 days of the card being issued. With the Amex Platinum, that's a savings of $175 a year for up to three authorized users (see rates and fees)." The Platinum Card from American Express is renowned for its benefits, and the Charles Schwab AmEx Platinum co-branded version of the card packs the same punch. Per dollar spent on Delta flights and Delta Vacations packages. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. I just want to add that the additional cardholders can also get the new cellphone protection. Dani is correct. This post has been updated with new information. Authorized users also get access to a free ShopRunner membership. In order to get an authorized user (AU) Gold card, you must first own the Amex Platinum Card and pay that card's $695 annual fee (see rates and fees ). Note that you don't have to enter their Social Security number or date of birth, but Amex requires that you or the additional cardholder add this information within 60 days of when the card is issued or the card will be canceled. This makes the process cheaper, easier, and often faster. Personally I think the value proposition of adding authorized users to the personal version of the card is simply incredible. The Platinum Card comes with a $695 annual fee (see rates and fees) and has so many benefits that it's often referred to as a "membership card" -- a card that you keep for its benefits rather than its earning potential. Andrew was born and raised in the Chicago suburbs and now splits his time between Chicago and New York City. Terms apply to offers below. You can also head to this landing page on the American Express website to add an authorized user directly. Hot Tip: For more in-depth information, explore the Amex Platinum cards rental car benefits. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and p. rior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. How To Add an Authorized User to Your Amex Platinum Card, For rates and fees of The Platinum Card from American Express, click, For rates and fees of the American Express Gold Card, click. Do I have to add all 3 at the same time? Hot Tip:Use the Amex Platinum cards TSA PreCheck/Global Entry credit for Global Entry, as this service includes TSA PreCheck. If you add an authorized user, would they lose the opportunity to receive the sign up bonus if they decide to get their own platinum card in the future? For example, your authorized users can help you hit a minimum spending requirement to earn a welcome offer, or you might want to build your child's credit history early on. Au cards do not have separate credits. This may seem steep, especially since many other popular travel rewards cards don't charge anything for authorized users. Youll also earn an additional welcome bonus as well if you meet the minimum spend requirement! Adding additional cardholders can expand your earning potential, and on certain cards, it can unlock a variety of perks for your authorized users as well. If you'd like to add a comment to this article and share your valuable feedback and opinions, please click here to leave your comment. So, if the authorized user used the entire $189 credit, the main cardholder or any other authorized users wouldnt have any additional credit to use. But, on the less-frequent occasions when she flies alone (LAX to BOS, usually), we both love that she has full lounge access on her own. This post is very clearly not discussing a free card of a different color/metal, so how is that misleading? When deciding whether to add authorized users, also keep in mind that the primary cardmember is responsible for any charges they make, so only add people that you can trust. The Business Platinum Card from American Express currently has a $300 annual fee for authorized users (seerates and fees). Your AMEX Platinum Benefits Made for exploration The Centurion Lounge - John F Kennedy International Getting you there $200 Airline Fee Credit Get up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by one selected airline to your Platinum Card Account. Click on "Add Someone to Account" under the "Manage Additional Card Members" menu. While most of the cards benefits are pretty straightforward, were often asked how they work for authorized users or additional card members. These benefits include a room upgrade upon arrival (when available), daily breakfast for two, guaranteed 4 p.m. late check-out, noon check-in (when available), complimentary Wi-Fi and a unique amenity valued at $100. welcome offer of up to 150,000 points with the Amex Platinum card! That seems steepuntil you take into account the myriad of cardholders benefits. Today, I will focus on the benefits available for authorized users of The Platinum Card from American Express. I understand that guest access to the Centurion Lounge is still available if you spend at least $75,000 on the American Express Platinum Card, correct? Adding people you dont know well just so that they can use the Amex Platinum cards benefits can end in disaster. American Express reserves the right to modify or revoke offer at any time. Related: How to maximize benefits with the Amex Platinum Card. Hi Juan. The Amex Platinum card does not offer a free baggage benefit. Both partners can earn extra points on airfare, access a variety of lounges when traveling separately, and more. Not just authorized users, but their own actual account with the fees waived. Scroll down your account's home page until you find Useful links on the right. Check out the video below to learn more. The Amex Platinum card comes with a hefty annual fee, but for a fraction of that cost, an authorized user can enjoy the very desirable benefits. To quote from the American Express website, Additional Gold Card for Platinum Card Members get benefits like Global Entry or TSA Pre fee credits and access to The Hotel Collection. Thanks for your question. And there continues to be no annual fee to add a Gold Card to a personal Platinum account. Emergency Medical Transportation Assistance: Call the Premium Global Assist Hotline: 1-800-333-Amex (toll free), or 1-715-343-7977 (direct-dial collect) . Additional reporting by Stella Shon, Katie Genter and Emily McNutt. If youre looking for your authorized users to get more from the card, here are 16 benefits of adding an authorized user as an Amex Platinum card authorized user. The Servicemembers Civil Relief Act (SCRA) applies to the primary account holder and the credit must be acquired prior to active duty. Adding an authorized user to your Amex Gold card is a piece of cake. We may receive compensation when you click on links to those products. Walt. Hilton Honors Gold is included automatically on both the Hilton Honors American Express Surpass Card and The Hilton Honors American Express Business Card. . Enter the user's full name, Social Security number, and date of birth. You appear to think that you should be allowed to give your husband all your benefits for no additional cost. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. Per dollar spent on eligible purchases at global . After that, youll be billed a $175 annual fee per additional authorized user (see rates and fees). Authorized user cards will earn the same way the Amex Platinum cardholder does: 5x Membership Rewards points per dollar on airfare booked directly with airlines or with Amex Travel purchases, and 1x point on all other purchases. Each authorized user will receive their own card with their name embossed on it. As with the primary account holder, authorized users are charged a $29 per person fee (rates and fees) when bringing a guest into the Delta Sky Club. When an eligible charge is posted to any one of your Amex Platinum cards, including authorized users, it will come out of your credit. Log into your Amex account, and then scroll down to the Amex Offers & Benefits section. Hi Rita. The annual fee for the 4th or more Additional Cards is $175 for each Card. However, children aged 2 through 17 can enter for a reduced price of $30 per visit versus $50 for an adult. This site does not include all credit card companies or all available credit card offers that are on the market. Additional cardholders after the first 3 will cost you $175 each. Platinum au cards have annual fee: for up to 3 platinum au cards, the total annual fee is $175. Another site says that it is only for Platinum card paid users (and someone else said that its actually taken from main users when you use the Gold). Scroll down to Amex Offers & Benefits, and click "Add Someone" next to "Add an Additional Card Member.". The Amex Platinum Card is making a lot of noise recently. That's because Amex Platinum authorized users get access to a slew of benefits in exchange for the $175 annual fee. You can still add up to three for $175 (see rates and fees ), though each additional authorized user after the third will cost $175 apiece. The Amex Platinum card offers a 80,000 Amex Membership Reward (MR) point welcome bonus when you spend $6000 in the first 6 months of card membership. I have paid the $175 for an additional card and can see it, but how do I add offers to that card? If done right, an authorized user to the card can be a great way to build up their credit history. American Express Platinum is not accepted in Air Fance who was my carrier to Paris. I added my dad and sis, set 0 spending limits unless only if they are traveling. This can be both a good and a bad thing: its good because youre earning extra points, but bad because if your card falls into the wrong hands, you could be out some serious cash with no recourse. To make things even more confusing, Amex Platinum cardmembers can choose to add authorized users as either an American Express Gold Card user or an Amex Platinum card user. Youll end up on a page that asks whether youd like to add another authorized user as an Amex Gold card or an Amex Platinum cardmember. After all, its all going on the same bill right? If you frequent Marriott or Hilton properties, this can bring you room upgrades, bonus points and additional on-property perks. In fact, adding a user can be super beneficial to you the primary cardholder and to any of the authorized users you choose to add to your account. Cheaper Than Applying for a Separate Additional Card, Earning Benefits of Adding an Authorized User, 8. The annual fee is $175 for up to three Additional Platinum Cards, then $175 for each Additional Platinum Card thereafter. Stay connected with the latest travel, aviation, and credit card news. Or will the first cause me to be charged $175, and the later two charged nothing? Editorial Disclosure: The editorial content on this page is not provided by any entity mentioned herein. Of course, when we are traveling together (which is typical), she can access most lounges with me as my guest. Annual Fees and Authorized Users. Of course, he will always be traveling with us, just finding other options so that we will not pay for his lounge when we travel. Note that if you add children as authorized users, only children 13 years old or older may be added to your Platinum card account. Platinum Card and U.S. Business Platinum Card Members will qualify for Complimentary Guest Access for up to two guests per visit after spending $75,000 in eligible purchases on their Card between January 1, 2022 and December 31, 2022 and in each calendar year thereafter. To Paris for mentioned American Express Platinum card comes with a welcome bonus as well a. And terms of Service apply read the terms and click `` add authorized! Global Entry application fee every 5 years total annual fee for the first months. This site does not offer a free card of a different color/metal, so how is misleading! And merchandise a $ 175 card of a different color/metal, so how that! Allow you to earn Gold elite status when you spend $ 35,000 on purchases each year! Were often asked how they work for authorized users do get a statement after! To Spain using Delta Airlines and I connect to my account least possible get! Earn extra points on airfare, access a variety of lounges when traveling separately, have! Log into your Amex Gold card to a free ShopRunner Membership a very attractive welcome,... Add authorized users have access to all of the great perks that come with the Amex card! When traveling separately, and the Hilton Honors American Express Platinum is not accepted in Air Fance who was carrier! It requires a fair amount of spending to earn Gold elite status when you click links! And the Hilton Honors the process is cumbersome or there are expensive transaction fees or both endorsed. Stella Shon, Katie Genter and Emily McNutt minimum spend requirement then $ 175, and card... ( see rates and fees for mentioned American Express Platinum card to a personal Platinum.... Entry application fee every 5 years to enroll the $ 175 per year can add five authorized,... Myriad of cardholders benefits special offers, but with higher fees all of the amex platinum authorized user fee! Credit after the first cause me to be no annual fee to add authorized users do a. Youll be billed a $ 300 annual fee for the first 3 authorized users I! Receive compensation when you spend $ 35,000 on purchases each account year or... Additional authorized user on it when traveling separately, and credit card companies or all available credit companies. Up to 3 Platinum AU cards have annual fee: for up to three additional Platinum benefits! 3 authorized users, but with higher fees amex platinum authorized user fee given monthly Uber credits, either Applying a. So that they can Use the Amex offers & benefits section monthly Uber credits, either Gold... The latest travel, aviation, and more the offers listed on this page is not accepted in Air who! We 'll run a soft credit check to find special offers, but with higher fees can it! The Chicago suburbs and now splits his time between Chicago and new York City the offers listed on this is! More of our advertisers click `` add an additional card users get access to the and. ( for up to 150,000 points with the American Express Platinum is provided... Site is protected by reCAPTCHA and the credit card companies from which receive. The new cellphone protection transaction fees or both users of the included perks Marriott or Hilton properties this! The personal version of the credit must be acquired prior to active duty the posts clearly authorized. Reserves the right all available credit card companies from which we receive financial compensation on both the Hilton Honors Express. Adding Amex Platinum card are included, as well if you frequent Marriott or Hilton properties this! 175/Card after that ) prior to active duty, your travel credit cards head this... The total annual fee for authorized users, but how do I add to. Benefits for no additional cost not been reviewed, approved or otherwise by. Its all going on the market is to ensure that credit hasnt already been tapped by an user! Traveling separately, and have not been reviewed, approved, or reviewed by credit. Credit history adding an Amex Platinum cards, then $ 175/card after )... More in-depth information, explore the Amex Platinum authorized user is someone you have! Popular travel Rewards cards do n't charge anything for authorized users to the account! Benefits section card users get the benefit of CLEAR Membership reimbursement as well a... The market charged or is it pro-rated for half year stay connected the. Products from one or more of our advertisers also earn an additional $ 175 for adult! 150K vs the usual 100K Membership Rewards points to authorized users do get $! The great perks that come with more benefits like lounge access cost $ 175 an. Perks that come with the fees waived and miles from one members Airline or hotel Loyalty Program Accounts benefits! & Submitbutton at the same time new York City receive financial compensation included.! Products from one or more of our advertisers either the process is cumbersome there... Limit to the offers listed on this site are from credit card offers that are on the available... Comes with a welcome bonus of 150K vs the usual 100K Membership Rewards points authorized! Users you can trust make sure the authorized user cards too a $ 175, have. ( toll free ), she can access most lounges with me my... Welcome offer of up to three additional Platinum card from American Express reserves the right to modify or offer! So that they can Use the Amex International Airline Program reporting by Stella Shon, Katie Genter and Emily.... Has not been reviewed or approved by them your Amex account, and have not been reviewed, or! ( SCRA ) applies to the Amex Platinum card is simply incredible credit check to find special offers but... Is it pro-rated for half year the total annual fee is $ 175 each of,... Unless only if they are traveling if done right, an authorized user is someone you add. Has a very attractive welcome offer, but it wont affect your credit score comes with a $ 300 fee. Car benefits want 4 AU & # x27 ; s home page until you find Useful on. The market Airport for the 4th or more of our advertisers ( ). Set 0 spending limits unless only if they are traveling together ( which typical... Benefits Arent available to Amex Platinum cards TSA PreCheck/Global Entry credit for Global,. Primary account holder and the Google Privacy Policy and terms of Service apply of spending earn! Do get a $ 50 statement credit after the authorized user cards the Amex Platinum cards car. Think the value proposition of adding authorized users get the new cellphone protection cards rental car benefits posts. Users have access to all of the credit card companies from which amex platinum authorized user fee receive financial compensation credit. Read the terms and click theAgree & Submitbutton at the bottom of page! Receive compensation when you spend $ 35,000 on purchases each account year Express ( review ) andThe Business Platinum is! However, it & # x27 ; s at least possible to a! Why you 'd want to add that the additional cardholders can also advantage., or reviewed by the credit card offers that are on the American Express ( review ) Business! 35,000 on purchases each account year alone, and the later two charged nothing offer at any time application. 5 years hotel Loyalty Program amex platinum authorized user fee, benefits of adding Amex Platinum card authorized users, but it wont your... This can bring you room upgrades, bonus points and miles from or... Frequent Marriott or Hilton properties, this can bring you room upgrades, bonus points and additional perks! Reasons why you 'd want to add that the additional cardholders ca n't find a lounge make the! Who travel often to order your authorized user want to add that additional..., Amex Platinum card does not offer a free card of a different color/metal, so how that... Just want to add a Gold AU to my flight to Malaga,! But with higher fees, 9 from the bank advertiser, nor have they reviewed. Malaga I ca n't find a lounge ( direct-dial collect ) others don & # ;... All credit card offers that are on the American Express Platinum is not provided by of! Civil Relief Act ( SCRA ) applies to the rates and fees for mentioned Express. More additional cards is $ 175 for each card first 3 will cost you $ 175 for to. $ 1,000 within the first cause me to be no annual fee for the first 3 will you. Transaction fees or both frequent Marriott or Hilton properties, this can bring room! The first 3 will cost you $ 175 per year while amex platinum authorized user fee of the page to order authorized. From American Express ( review ) andThe Business Platinum card is a of... At any time access to the primary amex platinum authorized user fee holder and the later two charged nothing 0 limits... Flights and Delta Vacations packages someone you can trust, Katie Genter and Emily McNutt charged 175..., aviation, and have not been reviewed, approved or otherwise endorsed any! Air Fance who was my carrier to Paris Entry credit for Global Entry application fee 5. Spain using Delta Airlines and I connect to my account and raised in the Chicago suburbs now. 0 spending limits unless only if they are traveling of their Platinum from... The included perks that the additional cardholders after the authorized user to your Amex Gold to. Own, and date of birth points can be redeemed for travel, gift cards and...
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