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Does Chase report authorized users to credit bureaus?

Kickstart your credit by being an authorized user on a Chase credit card.

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If you’re too young to get your own credit card, becoming an authorized user on someone else’s credit card can help you boost your credit score. But in order for this to work, the credit card provider needs to report authorized users to the credit bureaus.

Does Chase report authorized users to credit bureaus?

Yes. Chase reports authorized users to the three major credit bureaus — Experian, Equifax and TransUnion. Just make sure to provide all the necessary information for the authorized user, such as their address, date of birth and Social Security number.

What is Chase’s reporting policy?

Chase will report both positive and negative information to the authorized user’s credit report. This can help authorized users build credit. But the opposite is also true — late payments and piling debt on the main cardholder’s account could negatively affect an authorized user’s credit.

Authorized user benefits

Aside from being the only credit card option for anyone under 18, getting a credit card as an authorized user also comes with the following benefits:

  • Start building credit. Authorized users piggyback on the credit card activity of primary users. With timely payments, primary cardholders can help authorized users build credit.
  • Save money with no annual fee card. Most credit cards have no annual fee for authorized users even for the cards that have an annual fee. However, be sure to read the card’s terms and conditions to avoid surprises.
  • Earn rewards. If you have a rewards card, authorized users will also earn rewards on their purchases. This can help them clear the signup bonus faster and earn more rewards on their purchases. In most cases, though, rewards accumulate to the primary cardholder’s account and they are the only ones who can redeem rewards.

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

Unfortunately, no. If you’re under 18, your only option is to become an authorized user to someone else’s card.

Compare Chase credit cards

If you managed to build a good credit score or higher and you’re older than 18, you can apply for a Chase credit card of your choice and enjoy the benefits of being the primary cardholder. But if you’re trying to improve your credit score, compare secured cards instead. See some popular Chase offers below.

Name Product Filter values Rewards Purchase APR Annual fee
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
$95
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Chase Sapphire Reserve®
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
16.99% to 23.99% variable
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
The World of Hyatt Credit Card
4x total points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases
15.99% to 22.99% variable
$95
Earn 25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months.
Southwest Rapid Rewards® Priority Credit Card
2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases
15.99% to 22.99% variable
$149
Earn 40,000 points after you spend $1,000 in the first 3 months of account opening.
Marriott Bonvoy Boundless™ Credit Card
6x points at Marriott Bonvoy hotels and 2x points on all other purchases
15.99% to 22.99% variable
$95
Earn 100,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.
United℠ Explorer Card
2x miles at restaurants, hotels and United and 1x miles on all other purchases
16.49% to 23.49% variable
$0 intro annual fee for the first year ($95 thereafter)
60,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening.
IHG® Rewards Club Premier Credit Card
25x points at IHG hotels, 2x on gas, groceries and dining and 1x on all other purchases
15.99% to 22.99% variable
$89
125,000 points after spending $3,000 in the first 3 months.
Marriott Bonvoy Bold™ credit card
3x points at Marriott Bonvoy hotels, 2x on travel and 1x on all other purchases
15.99% to 22.99% variable
$0
50,000 bonus points after you spend $1,000 on purchases in your first 3 months from your account opening.
IHG® Rewards Club Traveler Credit Card
15x total points at IHG hotels, 2x points at gas stations, grocery stores and restaurants and 1x points on all other purchases
15.99% to 22.99% variable
$0
Earn 75,000 points after spending $2,000 in the first 3 months from account opening.
Southwest Rapid Rewards® Plus Credit Card
2x points on Southwest Airlines and 1x points on all other purchases
15.99% to 22.99% variable
$69
Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open.
British Airways Visa Signature® Card
3x Avios on British Airways and partner airlines, 2x on hotels and 1x on all other purchases
15.99% to 22.99% variable
$95
50,000 Avios after spending $3,000 on purchases in the first 3 months, plus 50,000 Avios after spending $20,000 in the first year
United Club℠ Infinite Card
4x miles on United purchases, 2x miles on travel and dining and 1x miles on all other purchases
16.49% to 23.49% variable
$525
Get United Club membership with access for you and two guests at any United Club or Star Alliance lounge -- a value of up to $650 annually.
Southwest Rapid Rewards® Premier Credit Card
2x points on Southwest Airlines and 1x points on all other purchases
15.99% to 22.99% variable
$99
Earn 40,000 bonus points after you spend $1,000 on purchases in the first 3 months.
Aer Lingus Visa Signature® Credit Card
3x points on Aer Lingus and partner airlines, 2x points on hotels and 1x points on all other purchases
15.99% to 22.99% variable
$95
Earn 50,000 Avios after spending $3,000 in the first 3 months, plus 50,000 Avios after spending $20,000 total in the first 12 months.
Iberia Visa Signature® card
3x Avios on Iberia and partner airlines, 2x on hotels and 1x on all other purchases after the first year rewards offer
15.99% to 22.99% variable
$95
Earn 50,000 Avios after you spend $3,000 on purchases in the first 3 months, plus 50,000 after spending $20,000 in the first 12 months.
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.
Ink Business Cash℠ Credit Card
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
Ink Business Preferred® Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
15.99% to 20.99% variable
$95
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards®
Southwest Rapid Rewards® Premier Business Credit Card
2x points on Southwest Airlines and 1x points on all other purchases
15.99% to 22.99% variable
$99
Earn 60,000 points after spending $3,000 in the first 3 months and 6,000 points after your card anniversary.
Southwest Rapid Rewards® Performance Business Credit Card
3x points on Southwest Airlines, 2x points on social media and search engine advertising, Internet, cable, and phone services and 1x points on all other purchases
15.99% to 22.99% variable
$199
Earn 70,000 points when you spend $5,000 on purchases in the first 3 months. Plus, earn an additional 30,000 points after you spend $25,000 on purchases in the first 6 months.
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Bottom line

If you’re looking to piggyback your way to a good credit score or higher, becoming an authorized user on a Chase credit card could be an option. As an alternative, consider a secured credit card or a student credit card to build your credit on your own if you meet the age requirements.

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