Amex Authorized User Without SSN: Process & Timeline

摘要

Not having an SSN or ITIN does not make the request automatically impossible. The honest limitation is that Amex publishes the starting step but not a guaranteed verification or delivery timetable.

Because this person has neither an SSN nor an ITIN, the current Amex instructions direct you to the phone route rather than the ordinary online route.

Call from the primary Cardyour route

The calls the number printed on the back of their Amex Card, says the proposed has no SSN or ITIN, and supplies the person’s legal name, address, and date of birth. This is the no-SSN/ITIN route stated in the current Amex Additional Card Member FAQ.

Use the normal online applicationnot for you

The ordinary request asks for the person’s legal name, address, date of birth, and SSN or ITIN. Because your person has neither identifier, Amex’s own instruction is to call instead.

Amex calls an authorized user an .

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Watch out for

Do not rely on the old 60-day storyThe current Amex consumer instructions do not offer an add-now, verify-later route for someone with no SSN or ITIN. They say to call the number on the back of the ’s Card to make the request; the public page gives no 60-day grace period.

Eligibility still appliesAmex says the must be over age 13 and must never have had a defaulted American Express account.

You remain responsibleAdding the person does not shift payment responsibility: Amex says the remains responsible for all purchases made on both Cards.

下一步

These steps start the no-SSN/ITIN request and prevent you from relying on an unpublished timetable.

Before calling

Gather the person’s details and consent

Confirm the person’s legal name, address, and date of birth are correct, and obtain their consent for Amex to add them and verify their identity.

条件要求

Legal name

Address

Date of birth

Their consent to be added and identity-verified

At the request stage

Call the number on the back of your Amex Card

The Basic Card Member should call the account-specific number printed on the back of the Card and say: “I want to add an Additional Card Member who has no SSN or ITIN.” The current consumer FAQ directs this situation to that number; it does not publish a generic substitute number.

条件要求

Your Amex Card

The prepared personal details

Before ending the call

Complete the phone intake and get a clear status

Provide the prepared details and confirm consent. Ask the representative to state whether verification is complete or pending and to identify any missing item, reference number, and case-specific deadline; Amex’s public consumer instructions do not publish a standard document list or turnaround time.

条件要求

Legal name, address, and date of birth

Any case-specific item requested during the call

过来人

You are not the first to go through this. Here is how it went for others who asked the same thing.

Amex no longer allows authorized users without an SSN

u/zarkersr/amex2025年12月14日

I just added my fiancé as an AU without a SSN, Amex happily took the AU fee. I did this in October.

140 在 Reddit 上查看

法律依据

The answer rests on American Express’s current U.S. Additional Card Member FAQ and Additional Card Membership terms.

Amex Additional Card Member FAQ

This establishes both the ordinary identity fields and the phone route when the person has neither an SSN nor an ITIN.

Amex Additional Card Member FAQ

You need the Additional Card Member’s legal name, address, date of birth, and Social Security Number (SSN) or International Tax Identification Number (ITIN) to request to add them to your account as an Additional Card Member. If the Additional Card Member does not have an SSN or ITIN, please call the number on the back of your Card.

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