Many especially younger enlisted members were using thse services and finding themselves in pretty big holes trying to furnish first homes/apartments etc. MLA was primarily targeting the "payday loan" or "check cashing" services. They do thos based on interpretations of the Military Lending Act (MLA) this act was passed in 2006. Several large card issuers also do this like Chase and Citi while some like Cap 1 don't waive AF. Technically neither law requires AMEX to waive the AF on their cards but they've decided to do it anyway. There is a military lending law (2 actually SCRA and MLA) that cap certian types of fees and loan interest rates. Maybe I'm wrong, but I really would be surprised that the military cardmembers are the root cause of over crowding. What's the nearest base to ATL? MIA doesn't have a big military population. For such a small portion of the population, I'd be pretty shocked to see if it made a big difference.īesides, which places have major military presence? LAS? SEA? Certainly not SFO, NYC area airports, or LAX. Even if they are extensive vacationers, we're talking 2-4 vacations per year based on budget and time off alone. My point is: military guys aren't by and large business travelers. I have one military friend who is a travel fiend, but she doesn't even have an AMEX and I suspect that most people who saw her in a Centurion Lounge wouldn't think she was military at all. Not to mention, with little exception, most of them aren't traveling extensively for their jobs via commercial means (sure, I've had a few work trips here and there in my career, but we're talking less than 1 per year), and how many of them are getting so much off time and pay that they can afford to travel extensively for vacation? Certainly not my friends who probably take 1 or less vacations via air per year. My point is that military officers, and all AD members for that matter - remember that this benefit doesn't extend to veterans, only AD - are an extremely small subset of the American population. (Current Naval Officer here myself.) I realize my argument is biased, but hear me out. Oh, I agree, I estimate that probably 60-80% of the officers I know have them and maybe 10-40% of Enlisted do as well. For rates and fees on the Delta Reserve, please click here. That gives them at least a year to figure out a more permanent solution to this problem.įor rates and fees on the Amex Platinum, please click here. However, if your family member is targeted for the incredible 100,000-point welcome bonus (offer subject to change at any time) on the Platinum card, the best option is likely for them to apply for the card. Related: Best credit cards for airport lounge access in 2021 Bottom lineĮnjoying an airport lounge during a delay or long layover is a great way to make the airport experience more pleasant, but lounge benefits on top travel rewards credit cards typically apply only if the primary cardholder is traveling.Īdding your family members as authorized users is an option for sharing lounge access benefits. So if you're looking to share lounge access with multiple people, you can drop the per-person cost to under $60 each year. The $175 fee remains the same whether you add one user or three. While the Amex Platinum isn't the cheapest card when it comes to adding authorized users, it certainly offers the most benefits of the bunch. The Points Guy will not share or sell your email. I would like to subscribe to The Points Guy newsletters and special email promotions. The public offer on the card is 75,000 bonus points after spending $5,000 on purchases in the first six months of card membership. Not only is that the easiest answer to this question of sharing lounge access, but the welcome bonus will also be a big boost of points ( worth $2,000 based on TPG's valuations) to jump-start your next family vacation. However, if your spouse or someone else in your family is targeted for the Amex Platinum's incredible 100,000-point welcome offer with the CardMatch tool (offer subject to change at any time), they should absolutely apply for their own card. Related: Everything you need to know about the Priority Pass program Second, are there even lounges in the airports you visit the most? Priority Pass Select is a nice perk to have, but it won't do your family much good unless you travel internationally often. First, how frequently do you and your family member travel separately? If it's only once or twice a year, it might not be worth getting their own access. If you're looking to share lounge access with a family member, you have a couple of options. Louis Lambert International Airport (STL).
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