Does American Express report authorized users to credit bureaus? | finder.com

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 i>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
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.49% to 26.49% variable
$0
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
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$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees
2x miles at US restaurants and on direct Delta purchases and 1x miles on all other purchases
17.49% to 26.49% variable
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & fees
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
See Rates & Fees
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months. Rates & fees
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 14.74% to 25.74% variable)
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees

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Name Product Welcome offer Rewards Annual fee Filter values
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N/A
$0
Get access to a higher credit line after making your first 5 monthly payments on time.
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$35
A secured Visa® credit card that helps you build your credit quickly.
N/A
N/A
$48
This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
N/A
N/A
$29
Build your credit with all three major credit bureaus.
N/A
N/A
$39
Open a personal savings deposit account to secure a credit line from $200 to $5,000.

Compare up to 4 providers

Name Product Welcome offer Rewards Annual fee Filter values
N/A
1% cash back on all purchases, 1.25% for months you pay on time
$0
Earn 1% cash back on all purchases or get 1.25% cash back for months you pay on time.
N/A
1% cash back right away, 1.25% after six on-time payments and 1.5% after 12 on-time payments
$0
Build your credit with no fees: Apply if you're new to credit or have a fair to good score.
Amazon Prime Student subscription credit up to $59
1% cash back on all purchases
$0
Designed for college students to build credit history and earn rewards.
N/A
N/A
$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.
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$0
Credit card for professionals relocating to America without a US credit history.

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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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