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If you’re too young to get your own credit card, becoming a Chase 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. Thankfully, most of Chase’s credit cards allow the addition of authorized users, letting you safely build your credit, and often, reaping a few extra perks along the way. Here’s how Chase authorized users works.
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.
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.
All Chase cards allow for authorized users, so you can use any to build up an authorized user’s credit. Here are some of the more popular options thanks to their additional reward opportunities or perks.
| Card name | Authorized user fee | Authorized user benefits |
|---|---|---|
| Chase Freedom Flex℠ | None | Spending on authorized user card earns rewards and counts toward signup bonus |
| Chase Freedom Unlimited® | None | Spending on authorized user card earns rewards and counts toward signup bonus |
| Chase Sapphire Preferred® Card | None | Spending on authorized user card earns rewards and counts toward signup bonus; 12-months of complimentary DoorDash DashPass |
| Chase Sapphire Reserve® | Additional $75 annually | Spending on authorized user card earns rewards and counts toward signup bonus; 12-months of complimentary DoorDash DashPass; Complimentary access to Priority Pass Select Membership |
| Ink Business Unlimited℠ Credit Card | None (employee cards) | Spending on authorized user card earns rewards and counts toward signup bonus |
The best Chase card for adding authorized user imparts the most value for the least cost. In this case, the Chase Sapphire Reserve offers the best long-lasting value for the rice as you’ll enjoy the additional Priority Pass Select membership year after year. Priority Pass memberships typically cost $249 a year, which far outweighs the $75 authorized user fee.
While the Chase Sapphire Preferred® Card doesn’t charge a fee for an additional cardholder, the DoorDash perk only lasts for 12-months. This ultimately puts it in the same bucket as the Chase Freedom Unlimited® and Chase Freedom Flex℠ — useful for their ability to earn rewards on authorized user purchases, but not necessarily a value gain.
The steps you’ll take to add an authorized user are the same regardless of the card you have:
You have two options if you want to remove an authorized user from one of your Chase cards:
Call Chase directly. You can call Chase by dialing the number on the back of your Chase credit card. You can also call: 1-800-432-3117.
Send a secured message. Login to your Chase account and select “Secure messages” from the side bar (you may have to click the “hamburger” icon on the left side of the page for this bar to show). You can use this form to request an authorized user removal.
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:
Chase doesn’t have a minimum age requirement for becoming an authorized user. If you’re not old enough to apply for your own card, signing on as an authorized user on is a great alternative for building credit.
Below are some popular Chase credit cards to add authorized users. Adding an authorized user to these cards can allow you to earn rewards on the authorized user’s spending, build the authorized user’s credit score or get card benefits for the authorized user.
Great for earning rewards with an authorized user
Chase Freedom Unlimited®
Best for pairing with Chase cards
Chase Freedom Flex℠
Best for perks for authorized users
Chase Sapphire Reserve®
Perks for authorized users with no extra user fee
Chase Sapphire Preferred® Card
If you’re looking to piggyback your way to a good credit score or higher, becoming an authorized user on a Chase credit card is a great option if you have the opportunity. As an alternative, a secured credit card or a student credit card are also strong choices for building your credit on your own if you meet the age requirements.
A strong cashback card if you want to build your credit score.
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A solid card if you’re an American Eagle fanatic.
Reclaim your time with Luxury card’s concierge service.
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