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Does Capital One report authorized users to credit bureaus?

Start building your credit before you turn 18 by being an authorized user.

Kliment Dukovski
Kliment Dukovski

Updated

Not old enough to get your own credit card? Start building credit by using someone else’s credit card. Becoming an authorized user isn’t fool-proof — the card owner has to make on-time payments and keep spending up wraps.

Does Capital One report authorized users to credit bureaus?

Yes. Capital one reports authorized users to the three major credit bureaus — Experian, Equifax and TransUnion.

What is Capital One’s reporting policy?

Capital One reports positive and negative information to the authorized user’s credit report.

How can being an authorized user help my credit?

If you’re an authorized user on someone’s card, you could see a boost in your credit score if the primary cardholder always pays their balance in full before the due date and they keep their utilization rate low. This is also known as piggybacking.

But if the primary cardholder fails to pay their balance on time and starts accruing debt, you could see a negative impact on your credit.

Compare Capital One credit cards

Capital One offers some of the best cards for building credit. If you are over 18, consider applying for a secured or a student card to build your credit on your own.

Name Product Filter values Rewards Purchase APR Annual fee
Capital One® Secured Mastercard®
Capital One® Secured Mastercard®
N/A
26.99% variable
$0
View details
Get access to a higher credit line after making your first 5 monthly payments on time.
Capital One® QuicksilverOne® Cash Rewards Credit Card
Capital One® QuicksilverOne® Cash Rewards Credit Card
1.5% cash back on all purchases
22.99% variable
$39
View details
Get unlimited 1.5% cash back on every purchase with no limit on how much you can earn, and no changing categories.
Capital One® Platinum Credit Card
Capital One® Platinum Credit Card
N/A
22.99% variable
$0
View details
A no-annual-fee card for average credit. Earn a higher credit line after five on-time payments.
Journey® Student Rewards from Capital One®
Journey® Student Rewards from Capital One®
1% cash back on all purchases, 1.25% for months you pay on time
22.99% variable
$0
View details
Earn 1% cash back on all purchases or get 1.25% cash back for months you pay on time.
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Compare up to 4 providers

Name Product Welcome offer Rewards Annual fee Filter values
Capital One® VentureOne® Rewards Credit Card
Capital One® VentureOne® Rewards Credit Card
20,000 miles after spending $1,000 in the first 3 months
5x miles on Uber Eats and 1.25x miles on all purchases
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
View details
Capital One® Quicksilver® Cash Rewards Credit Card
Capital One® Quicksilver® Cash Rewards Credit Card
$200 cash back after spending $500 in the first 3 months
1.5% cash back on all purchases
$0
This no-annual-fee 1.5% cashback card offers of intro APR on purchases. No foreign transaction fees set this card apart.
View details
Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
60,000 bonus miles after spending $3,000 in the first 3 months plus miles after spending in the first
5x miles on Uber Eats and 2x miles on all purchases
$95
Earn 60,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
View details
Capital One® Savor® Cash Rewards Credit Card
Capital One® Savor® Cash Rewards Credit Card
$300 after spending $3,000 in the first 3 months
8% cash back with Vivid Seats, 5% on Uber Eats, 4% on dining and entertainment, 2% at grocery stores and 1% on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn $300 after spending $3,000 in the first 3 months.
View details
Capital One® SavorOne® Cash Rewards Credit Card
Capital One® SavorOne® Cash Rewards Credit Card
$250 after spending $500 in the first 3 months
5% cash back on Uber Eats, 3% on dining and entertainment, 2% at grocery stores and 1% on all other purchases
$0
A no-annual-fee card with up to 3% cash back for people who love going out. Extend the fun with 15 months intro APR on purchases.
View details
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Compare up to 4 providers

Bottom line

If you can’t apply for a credit-building card on your own, becoming an authorized user to a Capital One credit card could be useful.
But if you can apply for your own credit card, you can build your credit faster. Consider a secured credit card or a student credit card.

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