Adding an Authorized User to Your Credit Card

Looking to build your credit fast? Becoming an authorized user on a responsible person’s credit card can be a quick path to building credit without a credit check.

If you already have great credit established, adding a trustworthy authorized user to your card can help you earn more rewards more quickly, while helping someone else build his or her credit. But as you’ll see, mutual trust is key to an authorized user relationship.

Keep reading to learn more, or jump down to our instructions for adding authorized users for different card issuers.

What Is an Authorized User?

When you’re approved for a credit card you become the primary cardholder. But you can add more official cardholders to your account, known as authorized users.

An authorized user (AU) is a secondary cardholder, with some of the rights and privileges of the primary cardholder. AUs will get copies of the original card, and can use it just like any other credit card.

Here’s a summary of everything you need to know about AUs:

• Legal liability: Only the primary cardholder is legally liable for paying the credit card debt. The AU has no legal requirement to pay.
• Available for most cards: You can add AUs to most credit and charge cards, but some card issuers don’t allow it.
• No credit history required: AUs don’t need to have any established credit of their own, or even income. That makes this an easy strategy for building credit.
• Card activity reported to credit bureaus: With most card issuers, all card activity will appear on the AU’s credit reports, just like any other financial account. However, a few card issuers don’t report AU accounts to the credit bureaus.
• Same line of credit: The primary cardholder and the AU share the same credit line.
• Spending limits: Depending on the card issuer, you may be able to set spending limits for AUs.
• Cost: AU cards are often free, or they may come at a reduced annual fee. Some issuers limit the number of additional users you can have.
• Better overall earning potential: AUs typically earn spending rewards at the same rates as the primary cardholder — helping you earn rewards more quickly. Plus, their purchases generally count toward signup bonuses.
• Most basic benefits are shared: Many card benefits, like shopping and travel protections, often apply to both primary and AUs.
• Some difference in premium benefits: Some valuable perks, like travel credits and airport lounge access, may only be available to the primary cardholder. In some cases, AUs may get a reduced version of the benefit.

The crucial thing to understand about AU cards is the legal liability to pay. Imagine you add an AU to your account, and that person racks up a ton of charges but refuses to pay you for them.

You’ll have no legal recourse, you’ll just be stuck with the debt. That can be pretty bad for your credit utilization, and if you end up making any late payments the negative credit score impact could be even worse.

Aside from this risk, AU accounts are pretty great in a lot of ways. As long as you add trustworthy and responsible people, you shouldn’t have anything to worry about.

There are several scenarios where adding an AU can be a smart move, either for you (the primary cardholder) or the other person. Parents may add their children, for example, to start teaching them about credit and building their credit history early on. We go over situations like that to explain.

Remember that the primary account holder and any AUs will share a single credit line. Any purchases made will reduce the total available credit for everyone involved, so be sure to keep a close eye on your revolving utilization ratio.

You must have consent from the AU to add him or her to your credit account. Otherwise, the card issuer can close your account for violating the terms.

Co-signing to open a joint account

Adding an AU to your credit card is the best way to share your account (if that’s something you’re interested in doing). Cosigning to open a joint account is another way to share your credit card, but this method is a lot riskier for both parties involved.

When you cosign for a credit card with someone else, you’ll each be equally liable for the debt. Any late payments or derogatory activity on a joint card could also haunt both of your credit reports and scores for many years to come. Most of the major card issuers don’t allow cosigning.

How Can I Add an Authorized User to My Account?

Adding an AU to your card is usually quick and easy. It might even seem too quick and easy, but that can be true for regular credit card applications too.

You can add additional users to your account at any time, for cards that allow it. Some credit card companies will even let you add AUs during your initial account application.

We have a set of specific instructions for adding AUs for each card issuer.

To add an AU, just log in to your online account and find the appropriate link. It will probably say something like:

• “Authorized Users”
• “Add an Authorized User”
• “Manage Authorized Users”
• “Add Additional Users”
• “Add Someone to Your Account”

Next, you’ll have to supply some basic information for the AU. You’ll usually need to provide:

• Full name
• Address
• Date of birth
• Social Security number (depending on issuer)
• U.S. citizenship status (depending on issuer)
• Relationship to primary cardholder (depending on issuer)

After inputting the required information you can submit your request. The card issuer may approve your request instantly, or it could take some time to verify the identity of the AU.

Soon after, either you or the AU will receive a new card in the mail. It will need to be activated just like any other card.

Once you add an AU you’ll be able to set spending limits for that account, if the issuer offers this feature. You’ll typically be able to monitor an AU’s activity, such as by filtering transactions to show which accounts made which purchases.

Some credit card companies may have certain requirements for AUs, while others may not. American Express, for example, requires additional users to be at least 13, unlike most other issuers.

Can I add authorized users to a business card?

Some business cards allow you to add AUs, also known as employee cards in this case, while others will not. In general, the rules that apply to AUs of personal, consumer credit cards also apply to AUs of business cards (though many business card issuers won’t report normal account activity to the personal credit bureaus).

You may want to add AUs or employee cards to simplify bookkeeping, and get all your expenses in one account. This is also a good way to give your employees an easy payment option for business spending or travel, while taking advantage of protections and benefits.

Plus, by adding employees as AUs (versus reimbursing employees for expenses), you’ll earn rewards for that spending on your business account. Just remember that only the primary cardholder is legally responsible for paying the card balance.

What Are the Benefits of Adding or Being an Authorized User?

There are quite a few perks of having or being an AU:

• Building credit
• Account management
• Earning rewards
• Sharing benefits
• Enhancing business spending and travel

Build credit

You can designate someone as an AU to help him or her rebuild or establish a credit history. The card activity will typically appear on the AU’s credit reports (though some card issuers may not report AUs to the credit bureaus).

The issuer may begin reporting card activity from the point at which the AU account is opened, or it may report the entire account history for that card — going back to the date it was opened by the primary cardholder. This could include any late payments that were previously made, before the AU was added.

The decision to include the full account history or not on an AU’s credit reports may also be in the hands of the credit bureaus, rather than the card issuer.

So, we recommend only becoming an AU on accounts with spotless payment histories, in case the full account history is reported on your credit reports. You don’t want an old late payment — that wasn’t even your fault — to hurt your credit scores.

If an AU card is added to your credit reports, your scores might benefit from the account in several ways.

1. Being added onto a credit card with low utilization could lower your own overall credit utilization ratio if you currently have outstanding balances on other cards. 
2. If the account is well-aged, it could increase your average age of accounts – a factor which FICO® and VantageScore® consider when calculating your credit scores.
3. If you have a thin file (aka not a lot of credit history), adding a positive account to your reports might help you move out of this category.
4. Becoming an AU might help to improve the mix of accounts on your credit reports, assuming the account is reported and you didn’t have any revolving accounts on your reports beforehand.

Keep in mind each card issuer has its own minimum age requirement for AUs, and they vary quite a bit. Some have no requirement at all. And some issuers set a limit on the number of AUs you can have on a single account.

You can see all those details below, along with instructions for adding AUs with every major card issuer.

If the card is used responsibly and the account is in good standing, your credit scores may improve. But if negative activity is reported, like maxed out credit limits and late payments, the AU status could push your credit scores down.

That’s why designating AUs is somewhat risky, for both the primary and additional cardholders. If the AU charges more than expected, the primary cardholder will be on the line to pay. And if the primary cardholder is irresponsible with the account, that will hurt the AU’s credit, rather than helping.

Note: If being an AU on another person’s account is damaging your credit, you can call the card issuer and ask to be removed from the account. The primary cardholder can also make this request on your behalf. 

Once your AU status is revoked, the account should be deleted from your credit reports. You can submit a dispute with the credit reporting agencies if it isn’t.

As a rule of thumb, you should only add AUs if you trust that they’ll pay for their charges. Or, if you’re planning to foot the bill anyway, you should trust that they’ll only spend up to a certain amount. Depending on the particular card, you may be able to set spending limits for AUs.

And, on the other hand, you should only become an AU on someone else’s credit account if you trust that he or she will be responsible. 

That basically means always paying on time and keeping the credit utilization fairly low, which usually means around 30% or less. If you’re being added as an AU to an account, remember the longer the account has been open, the better the impact may be upon your credit scores.

Account management

AUs may have certain account management privileges, depending on the particular card issuer. You, as the primary cardholder, may be able to give or take away some permissions.

An AU typically can perform several actions:

• Charge to the account by making purchases with the credit card
• Make payments to reduce the account balance
• Obtain account information, sometimes with limitations
• Report lost or stolen cards
• Inquire about fees or initiate billing disputes
• Accept offers from the card issuer, like a lower APR for purchases or balance transfers

AUs usually cannot perform a number of actions:

• Add additional AUs.
• Increase the credit line.
• Change the account address.
• Set a card’s PIN for transactions or cash advances.
• Close the card account.

However, some card issuers let you give AUs more privileges, like Amex and Citi.

American Express lets you designate an AU as an Account Manager, who can have either full or partial account access. With American Express, you can give Account Managers either full or limited access.

And Citi simply lets you choose whether or not to give your AUs access to your online account.

Earn Rewards

AUs generally earn spending rewards, just like primary cardholders. But all the rewards go into a single reward bank, usually only accessible by the primary cardholder.

If you designate an AU for this account, you’ll get a new card in the mail. That card will have the same exact rewards program, providing the same amount of cash back for these purchases.

You can designate many AUs and collect a lot of rewards from their spending. This could be pretty profitable if they pay you back for what they charge.

However, introductory bonuses are not repeated for AUs. A card may have a nice welcome bonus, but it may only be available once per account.

Any purchases an AU makes will typically contribute towards the spending requirement for intro bonuses. So, you can use this method to reach minimum spends more quickly.

Although AUs can typically make any kind of purchases, Barclays allows you to set purchase category restrictions for AUs (at least for some Barclays cards).

Share benefits

AUs will often have access to all of the card’s benefits, but sometimes only the primary cardholder will get certain perks. This latter case is more common for high-end travel credit cards.

If any given benefit is available for use an unlimited number of times, or up to a certain limit, it will probably be available for AUs. But some benefits can only be used once, and this will be true no matter how many AUs you designate. There are also cases where AUs will get partial access to certain benefits.

In general, if you have to pay for an AU account, it will probably get some decent benefits.

Many credit cards come with a variety of shopping and travel protections, all of which usually apply to AUs. These include benefits like:

• Purchase Protection: If an eligible item you buy is broken or stolen, purchase protection offers reimbursement up to a certain amount.
• Extended Warranty: Adds an additional period of time to eligible manufacturer’s warranties.
• Price Protection: When you buy something and find it being sold for less elsewhere, you may be reimbursed for the difference in price.
• Auto Rental Collision Damage Waiver: Covers your rented vehicles against collision damage and theft, as long as you decline the rental company’s own insurance.
• Travel Accident Insurance: Coverage against accidental loss of life and limb when traveling by common carrier.
• Trip Cancellation/Interruption Insurance: Get reimbursed if your trip is cut short or interrupted for an eligible reason.

There are benefits that may or may not be available for AUs:

• Annual travel credits: If a card offers an annual travel credit), don’t expect the AU card to get an extra $300 credit in addition to the primary cardholder’s credit.
• Repeating travel credits: Certain travel credits are unlimited, like $100 for every eligible hotel stay. AUs will usually get these credits.
• Airport lounge access: Some cards with airport lounge access provide the same type of access for AUs, while others offer limited or no access.
• Global Entry or TSA Pre✓® application fee credit: Some cards with this application fee credit will also provide it for AUs.
• Hotel or airline member status: Most cards that grant a certain hotel or airline member status, like Hilton Honors Gold, will also provide it for AUs.

If you’re not sure whether or not an AU will have access to a particular benefit, contact the card issuer’s customer support to ask.

Enhance business spending and travel

If you have employees making business purchases and traveling, this is an opportunity to earn more rewards and make their lives a bit easier too.

Rather than reimbursing an employee for the purchases she makes, you can make her an AU on your business credit card. Or, if your card doesn’t allow AUs, you can probably get her an employee card.

Now you’ll earn rewards for every purchase she makes with the card, providing a small discount for every expense. Certain items you buy may also be covered by benefits like Purchase Protection and Extended Warranties when eligible. 

Plus, you can track your business spending more easily because all the transactions will be collected within the same main account.

When it comes to travel, having a credit card can be a great asset. On the basic level, many business and travel cards come with protections like Baggage Delay Insurance, Trip Cancellation Insurance, and Auto Rental Collision Damage Waivers. 

These could help save quite a bit of money if something goes wrong, and they’re all the more useful if you have a lot of employees who travel often.

The higher-end travel cards offer better perks, like expedited processing at airports through Global Entry or TSA Pre✓, airport lounge access, and hotel member status. You can use these benefits to help your employees have smoother trips, and arrive in better shape when they reach their destinations. No doubt they’ll boost morale too!

When Should You Add or Become an Authorized User?

When you designate someone as an AU you’re indicating that you trust that person, at least to a certain extent. Likewise, when you become an AU you’re showing that you trust the primary cardholder to use the account properly.

In general, you should have a good relationship with anyone you share a credit card account with. And if you’re going to be the AU, you should be sure that the primary cardholder understands how credit cards work.

Remember that personal relationships can change quickly, but legal relationships tend to be more difficult to get out of. You can always remove someone as an AU or cancel your own AU account. (Joint account holders don’t have this luxury.)

There are quite a few reasons why it might be a good idea to designate an AU, or become one yourself.

You should only use one of these strategies if you’re committed to using credit cards responsibly. Otherwise, you and the AU could suffer with lower credit scores and all the negative consequences that result, like higher interest rates and difficulty qualifying for financing.

Adult family members

Maybe you’ve got a travel rewards card, and you want to hook your husband up with some sweet hotel perks. You also want to be sure that you can spend $4,000 in the first three months, to get the welcome bonus of 100,000 points.

Add your husband as an AU, and his spending with the card will contribute towards the $4,000 requirement. He’ll also earn points whenever he uses the card, which you can use for your next trip or vacation. Team up for the win!

Be aware that in some states, spouses share legal liability for most of each other’s debts, whether both parties are named on the account or not. These are known as “common property” rules.

Parent-child

Want to give your kid a credit boost? Add him as an AU when he’s young, which will provide a big head start for establishing a credit history.

“Give my kid a credit card? Are you crazy?”

No, we aren’t suggesting you simply give your child a credit card and let him run wild. For young children, or anyone else for that matter, you don’t have to give them cards at all. 

You can just add them as AUs and keep the extra card yourself, or cut it up. They’ll never have access to your line of credit, but the account will show up on their credit reports.

Or, if your children are older and have demonstrated some financial responsibility, you can give them cards of their own to use. This can make all of your lives easier, as they can just use their cards without having to borrow yours. You can also use AU status as a way to teach your kids how credit works, and how to earn excellent credit scores.

Depending on the card, you may also be able to set spending limits for AUs, just in case. And remember that you can monitor the spending of AUs by checking your account online, and sometimes on your mailed statements.

Of course, if you’re not a responsible credit card user, adding your child as an AU could be a great way to tank his credit scores before he even has a chance to establish credit in the first place.

Employer-employee

If your business has employees that spend money or travel for work, it could be wise to add them as AUs. This will let you earn more rewards overall as employees spend with the cards, and you’ll also provide them with some handy shopping and travel benefits.

Only add AUs after a clear credit card policy is established and published. The policy should cover responsible use, allowed purchases, eligibility, liability, the expense tracking process, and any other particulars unique to the company.

The policy should be reviewed by legal counsel before being implemented. Monitor AU accounts often (perhaps weekly), and take advantage of the account management tools, such as spending limits and alerts, that are likely offered by your card issuer.

Immigrants

New to the U.S.? You may have a hard time building credit if you’re an immigrant who’s just beginning to open financial accounts.

But if you have some family members or a trusted friend with good credit, you can get a leg up by becoming an AU. Keep in mind that, for some card issuers, you may need to get a Social Security number before you can become an AU.

Does an Authorized User Get His or Her Own Bill?

This depends on the card issuer. In most cases, AUs will not get their own monthly billing statements. Typically, only the primary cardholder will get a bill.

The charges for the account will usually be combined on the statement, but in some cases the AU’s activity may be separated from the primary cardholder’s.

AUs may or may not have online account access — again, this depends on the issuer. Some allow online access for AUs, while others don’t; in some cases the primary cardholder may need to grant online access to the AU.

Different issuers will also give AUs different online account permissions, like being able to view statements, make payments, or change contact info. So, even though AUs usually won’t get statements in the mail, they may be able to check those details online.

Since each card issuer has its own policy, we recommend calling customer support to learn exactly how your issuer handles AUs, and what your options may be.

How Do I Remove an Authorized User Account?

It’s very easy to remove an AU, or to cancel your own AU account.

Simply call the credit card issuer and ask to have the AU account removed. Or you can usually make the request through your online account, by selecting the option to manage your AU accounts.

The removal will often take effect immediately, or within a few business days. The card issuer may automatically request for the account to be removed from the credit reports of the AU at that time. If the issuer doesn’t ask for it to be removed (and if you’re the former AU), you can submit a dispute to the credit bureaus and ask for the account to be deleted.

However, if the account doesn’t have any negative history associated with it, you may not want to request for it to be removed from your reports (assuming the card issuer hasn’t already made the request). A positive, former AU account could potentially help your credit scores as long as it remains on your reports, even if you’re no longer an active AU.

You may want to remove an AU from your card if the person no longer seems trustworthy. It could be time to break the connection if you’re not sure whether or not you’ll get the money you’re owed. Or, if you’re the AU, perhaps you’re worried about the primary cardholder being irresponsible and making late payments.

In other situations, perhaps it’s just time to move on. Maybe a relationship ended and it’s time to move on financially as well as personally or perhaps your child is 18 and ready for his own credit card. (However, there’s nothing wrong with continuing to leave your child on as an AU if he’s trustworthy. Remember, your well-aged account might still be helping his credit scores just by appearing on his reports.)

Wrapping Up

AU status is pretty easy to understand. AUs basically ride piggy-back on the primary account holder’s credit.

The important thing to remember is that only the primary cardholder is legally responsible for paying the credit card debt.The AU has no legal liability for charges at all (except for spouses living in community property states).

That’s why both the primary cardholder and the AU need to be focused on using credit cards responsibly. You don’t want a bad financial experience to ruin a healthy personal relationship. Be sure to keep the credit utilization low, and always make on-time payments.

You can add almost anyone as an AU, depending on the particular card issuer’s requirements. For the most part the card features will be shared with the AU. But be aware that some travel perks are only available once per account, or may have more limited terms for AUs.

Becoming an AU is a great way to potentially build up your credit, especially if you’ve had a hard time being approved for your own credit cards or financial products. And the account will accumulate rewards more quickly, because more people will be spending and earning cash back or points.

AU accounts should always be a win-win, for the primary cardholder and the AU. If the situation isn’t a win-win for both parties, it’s probably a bad idea.

How to Add Authorized Users with Specific Card Issuers

Each card issuer has its own terms for the minimum age of AUs, as well as the maximum number of AUs you can have on a single account.

Card Issuer	Minimum Age	Maximum Number	Information
American Express	13 or 15, depending on card	99	FAQ and Instructions
Bank of America	None	9	Must Log In
Barclays	13	25	FAQ and Instructions (search for “authorized user”)
Capital One	None	Depends on account	Info and Instructions
Chase	None	No limit	Add an Authorized User (must log in)
Citi	None*	10	Add an Authorized User (must log in)
Discover	15	5	FAQ and Instructions (unable to link directly)
HSBC	None	3	Must Log In
USAA	None	5	Community Discussion
U.S. Bank	16**	7	Info and Instructions

*Requires authorized users to be 18 and have Costco memberships, like the primary cardholder.

**We’re not 100% sure about the age requirement for authorized users of U.S. Bank credit cards. We’ve heard conflicting information from different customer service reps, and we’ll update this page if we learn more.

The following instructions will guide you through adding authorized users with any of the major card issuers. Take note that, in some cases, the dashboard you see when you log in may be different than what’s shown below. But the basic steps will be the same.

American Express

By phone

• Dial the number on the back of your card, or call 1-800-528-4800.

Online

1. Log in to your account online.
2. Click the “Account Services” link.
3. Click the”Add Someone to Your Account” link.
4. Enter the authorized user’s information: 

• Full name
• Social Security number (optional when applying, but must be provided within 60 days of card being issued)
• Date of birth (optional when applying, but must be provided within 60 days of card being issued)

Adding an authorized user for an Amex card.

Bank of America

By phone

• Dial the number on the back of your card, or call 1-800-732-9194.

Online

1. Log in to your account online.
2. Click the “Information & Services” tab.
3. Click the “Add an authorized user” link.
4. Enter the authorized user’s information: 

• Full name
• Relationship to primary cardholder
• Country of residence
• Date of birth
• Social Security number (optional)
• Phone number (optional)

Adding an authorized user for a Bank of America card.

Barclays

By phone

• Dial the number on the back of your card, or call 1-866-928-8598.

Online

1. Log in to your account online.
2. Click the “Services” tab.
3. Click the “Authorized users” link.
4. Click the “Add an authorized user” link.
5. Enter the authorized user’s information: 

• Full name
• Relationship to primary cardholder
• Date of birth
• U.S. citizenship status
• Address

Capital One

By phone

• Dial the number on the back of your card, or call 1-800-227-4825.

Online

1. Log in to your account online.
2. Click the “Services” tab.
3. Click the “Manage Authorized Users” link.
4. Enter the authorized user’s information: 

• Full name
• Address
• Phone number
• Social Security number

Chase

By phone

• Dial the number on the back of your card, or call 1-800-432-3117.

Online

1. Log in to your account online.
2. Click the “Things you can do” menu.
3. Click the “Add an authorized user” link.
4. Enter the authorized user’s information: 

• Full name
• Date of birth
• Address

Citi

By phone

• Dial the number on the back of your card, or call 1-800-347-4934.

Online

1. Log in to your account online.
2. Click the “Services” tab.
3. Click the “Credit Card Services” link.
4. Click the “Authorized Users” link.
5. Enter the authorized user’s information: 

• Full name
• Date of birth
• Address
• Online account access privileges

Discover

By phone

Dial the number on the back of your card, or call 1-800-347-2683.

Online

1. Log in to your account online.
2. Click the “Manage” tab.
3. Click the “Manage Authorized Users” link.
4. Click the “Add Authorized User” link.
5. Enter the authorized user’s information: 

• Full name
• Address
• Date of birth
• Social Security number

6. Select a card design.

Adding an authorized user for a Discover card.

HSBC

By phone

• Dial the number on the back of your card, or call 1-888-385-8916.

Online

1. Log in to your account online.
2. Find a link to add an authorized user.
3. Enter the authorized user’s information.

USAA

By Phone

• Dial the number on the back of your card, or call 1-800-531-8722.

Online

1. Log in to your account online.
2. Scroll to the bottom of the page to the Account Services section and select the “Request an Additional Card for Someone Else” link.
3. Enter the authorized user’s information.

U.S. Bank

By phone

• Dial the number on the back of your card, or call 1-800-872-2657.

Online

1. Log in to your account online.
2. Select the “Customer Service” tab, and then select “Self Service.”
3. Select “Add Authorized User.”
4. Enter the authorized user’s information.

By Mail or Fax

1. Download a PDF of the Authorized User Form.
2. Mail or fax the completed form to the address provided in the document.

Which Issuers Don’t Report Authorized User Activity to the Credit Bureaus?

Most big-name issuers report AU activity to all three of the major consumer credit bureaus.

Still, there are certain situations where an issuer may not report AU activity:

• The card is issued by a smaller regional bank. Regional financial institutions may not report AU activity as consistently as larger issuers, so it’s best to ask directly before applying for a credit card or adding an AU. You may have a hard time finding this information online for smaller banks.
• The issuer doesn’t allow AUs at all. Deserve is a great example. An exception among prominent issuers, it doesn’t allow AUs.
• The issuer only reports AU activity to certain bureaus. Some issuers may only report to one or two credit bureaus. If you’re trying to build credit as an AU, you should stick with a lender that reports to all three bureaus to ensure your credit history is as robust as possible.
• The issuer may only report certain types of AUs. Credit One, for example, only reports spousal AUs. Other types of AUs are allowed, but their AU activity won’t be reported in their name.
• The issuer may only report AU activity for users of a certain age. American Express allows AUs starting at age 13 or 15, depending on the card. But American Express won’t report AU activity to the credit bureaus until the AU is at least 18 years old. Similarly, Wells Fargo allows AUs at any age, but won’t report an AU’s activity until he or she turns 18.
• The account is delinquent. Certain issuers may not report AU activity if the primary account has been marked delinquent.

It’s safe to assume that if at least one issuer adheres to one of the above policies, there may be other issuers out there who take a similar approach. The bottom line? Always contact your issuer to discuss specifics before adding an AU to your credit card account, because policies can vary significantly between issuers.