Amex Supplementary Card Offers: Earn Up to 60,000 Bonus Points

Amex has launched a new promotion in which adding an additional card to your account unlocks a new welcome bonus. Just like most signup offers, there are spending requirements attached. This time around, only personal cards are eligible for this promotion, and it runs until October 29, 2026.

You just have to add supplementary users to your cards by that date, and you can fulfill the spend requirements afterward. The maximum number of supplementary cards eligible for each primary card is two.

Last time around, the supplementary card bonus offer also extended to business cards. However, the offers on every single personal card today are way better this round. You can view all offers on the American Express website.

Membership Rewards Cards

American Express Platinum Card

• Earn 30,000 bonus points when your new Additional Platinum Cardmember from American Express spends $3,000 on their Additional Card in the first 3 months
• $250 annual fee for Additional Platinum Cards

Alternatively;

• Earn 5,000 bonus points when your new Additional American Express Gold Rewards Cardmember spends $1,000 on their Additional Card in the first 3 months
• $0 annual fee for first two Additional Gold Rewards Cards ($50 annual fee for any Additional Gold Rewards Cards thereafter)

American Express Gold Card

• Earn 7,500 bonus points when your new Additional American Express Gold Rewards Cardmember spends $2,000 on their Additional Card in the first 3 months
• $0 annual fee for the first Card; $50 annual fee for any Cards thereafter

American Express Cobalt Card

• Earn 7,500 bonus points when your new Additional American Express Cobalt Cardmember spends $2,000 on their Additional Card in the first 3 months
• $0 annual fee for supplementary cards

American Express Green Card

• Earn 2,500 bonus points when your new Additional American Express Green Cardmember spends $500 on their Additional Card in the first 3 months
• $0 annual fee for supplementary cards

Is It Worth It?

Whether the additional points are worth it depends on how easily you can meet the spending requirements. The premium cards offer much larger bonuses, with two supplementary Amex Platinum cards earning 60,000 MR, essentially another full-sized welcome bonus.

The Amex Gold and Cobalt offers are less compelling at 7,500 points for $2,000 in spend, although the supplementary cards are free (except the second Gold card, which costs $50). The Green offers 2,500 points for $500 in spend with no supplementary card fee.

If you only have the Amex Platinum and don’t want to pay supplementary card fees, you can instead add two Gold cards and earn 10,000 points after spending $2,000.

Personally, I’d focus on the Amex Platinum’s 30,000-point offer as the bigger fish to fry. Two additional Platinum cards earn 60,000 MR for $6,000 in spend and $500 in total annual fees, and then I’d consider the other Amex MR cards if you can easily meet the additional spending requirements. The last time the supplementary card bonus offers came around, earning 30,000 MR required $10,000 in spending, so this one is much better.

Keep in mind that supplementary cardholders also receive their own benefits and earn points at the primary card’s rates. Platinum supplementary cardholders get lounge access, for example, while Cobalt supplementary cards earn 5x on groceries and dining. That could change the equation depending on your household needs.

Co-Branded Cards: Aeroplan and Marriott Bonvoy

American Express Aeroplan Reserve Card

• Earn 30,000 bonus points when your new Additional American Express Aeroplan Reserve Cardmember spends $3,000 on their Additional Card in the first 3 months
• $199 annual fee for Additional Aeroplan Reserve Cards

Alternatively;

• Earn 5,000 bonus points when your new Additional American Express Aeroplan Reserve No Fee Cardmember spends $1,000 on their Additional Card in the first 3 months
• $0 annual fee for Additional Aeroplan Reserve No Fee Cards

American Express Aeroplan Card

• Earn 7,500 bonus points when your new Additional American Express Aeroplan Cardmember spends $2,000 on their Additional Card in the first 3 months
• $50 annual fee for Additional Aeroplan Cards

Alternatively;

• Earn 2,500 bonus points when your new Additional American Express Aeroplan No Fee Cardmember spends $1,000 on their Additional Card in the first 3 months
• $0 annual fee for Additional Aeroplan No Fee Cards

Marriott Bonvoy American Express Card

• Earn 7,500 bonus points when your new Additional Marriott Bonvoy American Express Cardmember spends $2,000 on their Additional Card in the first 3 months
• $0 annual fee for supplementary cards

Is It Worth It?

When considering earning additional points for free, the regular Amex Aeroplan supplementary card offers 2,500 points for spending $1,000 in the first 3 months. If you’re willing to pay a $50 annual fee, you can instead earn 7,500 points for spending $2,000.

I would personally get the two $50 additional cards. While 5,000 Aeroplan points for free is a meagre amount, 15,000 points for $100 in fees is more compelling.

The Amex Aeroplan Reserve offer is a no-brainer: earn 30,000 Aeroplan points after spending $3,000 and paying a $199 supplementary card fee. Maximizing this with two cards earns 60,000 points for $6,000 in spend and $398 in fees.

It’s especially valuable, given that Aeroplan’s welcome bonus rules generally limit you to one bonus per co-branded card tier. This creates another opportunity to earn a substantial chunk of Aeroplan points without applying for another primary card.

If you don’t want to pay annual fees, the Aeroplan Reserve’s No Fee supplementary cards are more compelling than the regular Aeroplan version. Each earns 5,000 points for $1,000 in spend, meaning two cards earn 10,000 points after $2,000.

Finally, the Marriott Bonvoy supplementary cards are free. While 15,000 points for two cards isn’t a lot, I’d still sign up if I could comfortably meet the $4,000 total spend. There are only two Marriott co-branded cards in Canada, so opportunities to earn Bonvoy points through credit cards are limited, and I’d rather not transfer Membership Rewards even with a 30% bonus.

Cash Back Cards

SimplyCash Preferred Card from American Express

• Earn $50 statement credit when your new Additional SimplyCash Preferred Cardmember from American Express spends $1,000 on their Additional Card in the first 3 months
• $0 annual fee for supplementary cards

SimplyCash Card from American Express

• Earn $25 statement credit when your new Additional SimplyCash® Cardmember from American Express spends $500 on their additional card in the first 3 months
• $0 annual fee for supplementary cards

Takeaway

Amex’s latest supplementary card offers run until October 29, 2026, with a maximum of two supplementary cards eligible for a bonus per primary card. You only need to add the cardholders by that date, with three months afterward to complete the respective spending requirements.

The offers are considerably better than the last round, particularly on the premium cards. The standout offers are the Amex Platinum and Aeroplan Reserve, where adding two paid supplementary cards can earn 60,000 Membership Rewards or Aeroplan points, respectively.

Of course, paying hundreds of dollars in supplementary card fees only makes sense if you value the points accordingly and can comfortably meet the spending requirements. Otherwise, there are plenty of no-annual-fee supplementary card options to pick up a smaller bonus without paying anything out of pocket.