Capital One authorized user guide 2022

If you’re not yet old enough to get your own Capital One credit card, consider becoming a Capital One authorized user. This allows you to build credit by using someone else’s credit card. Here’s how it works and how you can sign on board.

Does Capital One report authorized users to credit bureaus?

Yes. Like most major card providers, 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. Activity on an account featuring an authorized user will affect the credit of both parties involved: the main cardholder and the authorized user.

Capital One credit cards with authorized users

Capital One allows you to add an authorized user to any of its credit cards. Here are a few strong choices if you’re looking to expand your reward opportunities as well.

Which Capital One card is best for adding authorized users?

Unlike some providers, Capital One cards don’t have any big value plays when it comes to adding an authorized user. As of February 2021, all authorized user cards share the same ability to also earn rewards toward the main cardholder’s account. Generally, luxury cards tend to offer additional perks to authorized users.

What’s the age limit for a Capital One authorized user?

None. There are no age restrictions on who can become an authorized user on a Capital One credit card.

How to add a Capital One authorized user

You can add an authorized user to your existing card account in one of two ways:

• Call Capital One. You can request Capital One to add an authorized user to your account by contacting them at 800-227-4825.
• Add an authorized user online. You can log in to your Capital One account and click Authorized users under card services.

How to remove a Capital One authorized user

You can remove an authorized user from your account using the same methods as you used to add them: by calling Capital One directly or removing them through your online account management page.

Capital One authorized user pros and cons

Full list of credit card issuers that allow authorized users

Alternatives

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.

Frequently asked questions

Can I apply for a secured credit card or a student credit card if I’m under 18?

No. If you’re under 18, you can only become an authorized user to someone else’s card.

Is there an annual fee for authorized users?

No. Capital One doesn’t charge an annual fee for authorized users.

Do authorized users earn rewards on their credit card purchases?

Yes, if you’re an authorized user to a rewards credit card. Keep in mind, only the primary cardholder can redeem rewards.