Does American Express report authorized users to credit bureaus?

You can build your credit without applying for a card.

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If you’re too young to apply for a credit card, or if your credit score is preventing you from getting the card you want, consider becoming an authorized user on someone else’s card. As an authorized user, you can build credit without applying for a card.

But not every card provider reports authorized users to the credit bureaus.

Does American Express report authorized users to credit bureaus?

Yes. American Express refers to its authorized users as additional card members. It reports to the three major credit bureaus, Experian, Equifax and TransUnion.

What is American Express reporting policy?

American Express will report positive and negative information to the authorized user’s credit report.

How can being an authorized user help my credit?

Being an authorized user, you get to piggyback on a primary cardholder’s activity. But for this to work, the primary cardholder must pay their full balance before the due date and keep their utilization ratio low.

If the primary cardholder is late on their payment or starts piling debt, your credit score can take a hit.

Compare credit cards

If you’re older than 18 and you want to build your credit score, consider secured or student credit cards. But if you already have a good credit score or higher, you can apply for most credit cards and even earn rewards on your purchases.

Name Product Filter values Rewards Purchase APR Annual fee
N/A
24.9% fixed
$0 to $99
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
N/A
26.99% variable
$0
A no-annual-fee card for average credit. Earn a higher credit line after five on-time payments.
N/A
24.9% fixed
$35 to $99
All the benefits of Mastercard Gold for those with less than perfect credit.
N/A
34.99% fixed
$75 intro annual fee for the first year ($48 thereafter)
Build or rebuild your credit with this Visa credit card.
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
19.74% to 25.74% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
N/A
25.9% to 29.99% variable
$99
See if you’re prequalified with no impact to your credit score.
N/A
29.99% variable
$125 intro annual fee for the first year ($96 thereafter)
The Surge credit card is designed for people with less than perfect credit who want to get back on track.
N/A
24.74% variable
$0
Designed to help build credit history with no deposit required. Apply if you're new to credit or have a fair to good score over 650.
N/A
34.99% fixed
$75 intro annual fee for the first year ($48 thereafter)
Enjoy manageable monthly payments with monthly reporting to all three major credit bureaus.
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
19.74% to 25.74% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Up to 1% cash back on eligible purchases determined by Credit One and double cash back at the NASCAR Shop
19.74% to 25.74% variable
$0 to $99
Get up to 1% cash back rewards on eligible purchases determined by Credit One and double cash back rewards at the NASCAR Shop.
N/A
29.99% variable
From $99
Build or rebuild your credit with an unsecured card that reports to all three major credit bureaus.
N/A
N/A
Up to $239.40
Shop the items you need at myuniqueoutlet.com with up to a $1,000 credit.
N/A
N/A
Up to $299.40
Get a $500 credit limit to make purchases on the Horizon Outlet website.
N/A
N/A
Up to $239.40
An easy-to-qualify-for card for use at My Unique Outlet.

Compare up to 4 providers

Bottom line

If you’re too young to qualify for a credit card, or if you need to build your credit, American Express allows authorized users on its cards.

But if you can apply for a credit card on your own, consider a secured credit card or a student credit card to build your credit.

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