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Discover authorized user guide 2021

Establish credit by using someone else's Discover card.

Being an authorized user on someone else’s Discover credit card is a simple way to build credit without actually applying for the card.

Does Discover report authorized users to credit bureaus?

Yes. Discover reports authorized users to the three major credit bureaus — Experian, Equifax and TransUnion. The authorized user has to be at least 15 years old, however.

What is Discover’s reporting policy?

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

This means the authorized user could piggyback their way to a better credit score if the main cardholder always pays the balance in full before it’s due and keeps their utilization rate low.

But if the main cardholder misses payments and starts accruing debt, the authorized user would quickly see a negative impact on their credit score.

Discover credit cards with authorized users

Card nameAuthorized user feeAuthorized user benefits
Discover it® Cash Back$0
  • Earn rewards
  • Help the main cardholder earn the signup bonus
  • Report lost or stolen cards
  • Complete a balance transfer
Discover it® Miles Travel Credit Card$0
  • Earn rewards
  • Help the main cardholder earn the signup bonus
  • Report lost or stolen cards
  • Complete a balance transfer
Discover it® Chrome Gas & Restaurant Card$0
  • Earn rewards
  • Help the main cardholder earn the signup bonus
  • Report lost or stolen cards
  • Complete a balance transfer
NHL Discover it® Card$0
  • Earn rewards
  • Help the main cardholder earn the signup bonus
  • Report lost or stolen cards
  • Complete a balance transfer

Which Discover card is the best for adding an authorized user?

Given that all Discover cards are similar in terms of their rewards, intro APR periods and have no annual fees, the benefits you get are fairly identical. It all comes down to the type of rewards you want you and your authorized user to earn on their purchases: either cash back or miles.

How to add an authorized user to any Discover credit card

To add an authorized user, the main cardholder has to:

  1. Log into the Account center
  2. Select Manage
  3. Select Manage authorized users
  4. Provide the full name, address, date of birth and Social Security number for the authorized user
  5. Submit the application

Discover authorized user pros and cons

Pros

  • Authorized user purchases count toward the signup bonus
  • Authorized user purchases earn rewards
  • Authorized user can make balance transfers

Cons

  • Authorized user credit score depends on the main cardholder payment habits
  • Main cardholder is fully liable for the authorized user’s credit card debt

Full list of credit card issuers that allow authorized userss

How to remove an authorized user from any Discover card

The authorized user can remove themselves by calling the number on the back of the card, or the main cardholder could follow the same route as when they added the authorized user.

  1. Log into the Account center
  2. Select Manage
  3. Select Manage authorized users
  4. Remove the authorized user

Compare Discover credit cards

If you’re over 18 and want to build your credit faster, consider applying for a secured or a student card. In addition to building credit, you get to earn cash back on your purchases. If you already have a good credit score, consider applying for one of the standard cards and earn even higher rewards.

Name Product Filter values Rewards Purchase APR Annual fee
Discover it® Cash Back
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
0% intro for the first 14 months (then 11.99% to 22.99% variable)
$0
Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. Earn 1% back on all other purchases.
Discover it® Miles Travel Credit Card
1.5x miles on all purchases
0% intro for the first 14 months (then 11.99% to 22.99% variable)
$0
Earn unlimited 1.5x miles on all purchases - from airfare and hotels to groceries and online shopping.
Discover it® Chrome Gas & Restaurant Card
2% back on gas and dining up to $1,000 combined quarterly, then 1% after that and on all other purchases
0% intro for the first 14 months (then 11.99% to 22.99% variable)
$0
Earn 2% cash back on gas and dining on your first $1,000 in combined purchases each quarter. After that earn 1% in these categories and on all other purchases.
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Compare up to 4 providers

Discover authorized user alternatives

Those who are 18 or older could consider applying for a secured credit card or a student credit card to build credit on their own.

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