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.
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