Most credit cards give you the option to add an additional cardholder so you can both enjoy the convenience and benefits of your account. If you have a rewards credit card, you can even earn more points if both you and the authorized user charge purchases to the account. But adding someone to your credit card account can also lead to an additional annual fee so it’s important to compare options until you find the right card for you.
An authorized user is a person who can use your credit card account to pay for purchases. Authorized users get their own card that’s linked to your account. This means you are still fully responsible for managing the account and paying off the balance — even if it’s from purchases they’ve made.
The access and features available to additional cardholders can vary between cards and what the main cardholder approves. Usually, authorized users can do the following:
Authorized users may also be able to enjoy benefits such as travel insurance or free checked bags. However, often the main cardholder has to be present. Check your credit card’s terms and conditions or ask your bank for specific details of what features an authorized user would get through your account.
Authorized users get access to your credit card account and every purchase they make becomes your liability. In comparison, a joint credit card account offers shared responsibility, both card members can make changes to the account and are both liable for any unpaid balance.
If you want to get a secondary card for your partner or family member, you’ll need to fill out an application. This could be available through your credit card provider’s website or online banking service. It may also be included when you apply for a new credit card.
To complete the application for an additional cardholder, you’ll need to make sure they meet the eligibility requirements and provide a range of other personal details. These vary between cards but usually include the following:
Once you’ve submitted the application and supporting documentation, your credit card provider will review these details. If your request is approved, your additional cardholder should receive their card in around 10 business days.
Getting an additional cardholder for your account can be a convenient way to share your credit card benefits. But it’s important to carefully consider the risks and discuss financial management of the account with your authorized user so that you can make this option work for you. If you haven’t found the right credit card for you to share, make sure you compare your credit cards options until you find the right fit for your wallets.
The wholesale club accepts credit cards from just one payment network. Find out which network it is and what other payment methods are accepted.
Do you travel, work or spend money in the US frequently? Find out if a US dollar credit card is the right fit for you.
Find out how to navigate credit card regulations in Canada and know your rights as a consumer.
Find out how Canadians use their credit cards with our comprehensive collection of credit card statistics, facts and figures.
Your guide to choosing a credit card that lets your donate rewards points earned on your everyday card purchases.
Find out how old you have to be to get to get a credit card in Canada and learn how your child can qualify if they’re under 18.
Want to pay and manage your bills with a credit card so you’ll never miss a payment again? We’ve got you covered.
Discover which lenders will let you spend over your credit limit and fees involved.
If you’re planning to apply for your first credit card and you don’t know where to start, this guide is for you.
Learn how to identify an incorrect charge on your credit card and how to reverse the transaction through your bank.
