Here are some questions Cardmembers frequently ask about Authorized Access. If you don't find the answer you need here, call the toll free number on the back of your Card or click here for a list of applicable phone numbers.
About Authorized Access
  1. Q. How does Authorized Access work?
  2. Q. Who qualifies to be designated as an Account Manager or Agent?
  3. Q. Where can my Account Manager perform transactions on my behalf?”
Enrolling and Setting Up Permissions in Authorized Access
  1. Q. How do I know my Card accounts are secure?
  2. Q. Is there another way to give someone access to my account?
  3. Q. If I upgrade my Card, will the permissions associated with my old Card automatically transfer to my new Card?
  4. Q. If I also have a Business Card, can I set up Authorized Access for that Card as well?
Making Changes
  1. Q. How often can I make changes?
  2. Q. How quickly do my changes take effect?
  3. Q. How do I change an Account Manager's or Agent's level of access?
  4. Q. If I remove an Account Manager or Agent, how quickly are they deleted from my account?
About Authorized Access
Q.How does Authorized Access work?
A: After logging in, you can choose to give Account Manager or Account Agent status to a trusted individual. You’ll need to provide that individual’s date of birth, Social Security number, e-mail and mail addresses, and phone number in order to set up their permissions.

After you’ve set up their permissions, your new Account Manager or Agent will need to set up a unique User ID and Password specifically for Authorized Access. If they’ve ever registered for Authorized Access before, that User ID and Password will work for your account as well. In order to complete registration, they’ll need to enter the registration information, such as your account number and their Social Security number, exactly as you entered it.
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Q. Who qualifies to be designated as an Account Manager or Agent?
A: Anyone at least eighteen years of age, with a valid Social Security number, qualifies to be designated as an Account Manager or Agent. Ameriprise financial advisors may be designated as Account Agents, but may not be designated as Account Managers.
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Q. Where can my Account Manager perform transactions on my behalf?
A: Once they’ve set up an Authorized Access User ID and Password, Account Managers can log in and access your account from americanexpress.com. They can view only the accounts to which you have given them access. Here they can also learn which transactions can be performed online and which ones require a phone call. Provide Account Managers and Agents with the number on the back of your Card, or click here for a list of applicable numbers, so they can access Customer Service representatives by phone 24/7.
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Enrolling and Setting Up Permissions in Authorized Access
Q. How do I know my Card accounts are secure?
A: The Authorized Access program was created to preserve the security of your accounts. We will ask any person calling to access your account a series of questions to verify their identity. Even though they have access and/or permission to transact on your account, there are still some critical functions that only you can perform, such as:
  • Activating a Card
  • Changing an ATM PIN number
  • Adding or removing another Account Manager
  • Adding or removing a Card from the Authorized Access program
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Q. Is there another way to give someone access to my account?
A: No. Authorized Access is the only way to allow you to get assistance with managing your Card account, while ensuring your account remains secure.
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Q. If I upgrade my Card, will the permissions associated with my old Card automatically transfer to my new Card?
A: If the account number for your upgraded Card remains the same as your old Card, the permissions you have designated for the old Card will be transferred to your new Card. If your upgraded Card has a new account number, then you will need to re-enroll any Account Managers or Agents on the new account by visiting americanexpress.com/access.
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Q. If I also have a Business Card, can I set up Authorized Access for that Card as well?
A: With the exception of The American Express┬« Business Line of Credit, all Personal and Business Card accounts belonging to residents of the United States and U.S. territories are eligible for Authorized Access. You can assign up to two Account Agents and two Account Managers per account. Even if you’ve already set up Authorized Access for your Personal Card account, you must still set up Account Managers or Agents for your Business Card account separately. Corporate Cards do not qualify for Authorized Access.
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Making Changes
Q. How often can I make changes?
A: You can add or remove Account Managers or Agents to and from your Card accounts as often as you’d like. Keep in mind, though, that you have a limit of two Account Managers and two Account Agents per Card account. If you have already assigned the maximum number of Account Managers to an account and wish to add another, you will first have to remove an Account Manager before adding a new one. Also, Account Managers are able to remove themselves and add or remove Account Agents on your behalf for each account they have permission to access. If you or any of your Account Managers would like to make changes to your account, simply log in.
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Q. How quickly do my changes take effect?
A: When you add an Account Manager or Agent to an account, the addition usually takes place immediately. When you remove an Account Manager or Agent, their permission is immediately removed from your Card account.
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Q. How do I change an Account Manager’s or Agent’s level of access?
A: You can change an access level — from Account Agent to Account Manager or from Account Manager to Account Agent — by visiting the Permissions Summary by User page. There you’ll find the names of the Account Managers and Agents you’ve designated. Click on the appropriate link to assign or remove access. Please note that when changing access levels, you will be asked to remove and re-add that User. This is a security measure we use to protect your Card account information.
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Q. If I remove an Account Manager or Agent, how quickly are they deleted from my account?
A: When you remove an Account Manager or Agent, their permission is immediately removed from your Card account.
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