Point Up

Amex Add-on vs. Supplementary Card: Demystifying the Choice for Savvy Spenders!

Hey Point Up fam! Sharing your Amex card's benefits with loved ones is a great way to help them build credit or simply make purchases more convenient. But with Amex offering both Add-on cards and Supplementary cards, choosing the right one can be confusing. Don't worry, Point Up is here to break it down for you!

The OTP Mystery Solved:Ever wondered why that verification code lands on your phone when someone uses your “additional card”? Here's the key difference:

Add-on Card: The OTP typically arrives on the primary cardholder's phone number. This means you have more control over transactions, as you'll receive the verification code for purchases made with the Add-on card.
Supplementary Card: The OTP usually goes to the mobile number registered for the supplementary cardholder. They'll receive their own verification codes, offering more independence when making purchases.

Beyond OTPs: Understanding the Nuances:The difference goes beyond verification codes. Here's a deeper dive:

Spending Limits: Add-on cards can have individual spending limits set by you, the primary cardholder. This allows you to control how much the additional user can spend. Supplementary cards typically share the same credit limit as the primary card.
Eligibility: Some Amex cards might have restrictions on the number of Add-on cards you can get. For example, you might only be able to have one Add-on card per account. Supplementary cards might have specific eligibility requirements for the additional user, such as a minimum age.
Liability: No matter which option you choose, remember: the primary cardholder is ultimately responsible for all charges on both Add-on cards and Supplementary cards.

Here's a handy table to summarize the key differences:

Feature	Add-on Card	Supplementary Card
OTP	Primary Cardholder's Phone	Supplementary Cardholder's Phone
Spending Limit	May have Individual Limits	Shares Primary Card's Limit
Eligibility	May have Restrictions on Quantity	May have Specific Requirements
Liability	Primary Cardholder Responsible	Primary Cardholder Responsible

Making the Perfect Choice:Now that you're armed with this knowledge, choosing between an Add-on card and a Supplementary card becomes a breeze!

Opt for an Add-on card if you want to give someone limited spending power and receive the OTPs for their transactions. This is ideal for teenagers or young adults who are just starting to build credit.
Choose a Supplementary card if you want to share your full credit limit with someone and have them receive their own OTPs for independent transactions. This might be suitable for a spouse or partner who regularly uses the card.

Remember: Always check the specific terms and conditions of your Amex card for detailed information on Add-on and Supplementary card features and limitations. Don't hesitate to contact Amex customer service if you have further questions.

By understanding the differences between Add-on cards and Supplementary cards, you can make an informed decision when extending credit privileges on your Amex card! Point Up is always here to guide you on your credit card journey – so keep swiping smart!