Does Discover report authorized users to credit bureaus?

Establish credit by using someone else's card.

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Being an authorized user on someone else’s credit card is a simple way to build your credit. But to do that, the credit card provider needs to report authorized users to the credit bureaus.

Does Discover report authorized users to credit bureaus?

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

What is Discover’s reporting policy?

Discover 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, your credit could be affected for better or worse, depending on how the primary cardholder uses their card. You could piggyback your way to a better credit score if they always pay 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, you will quickly see a negative impact on your credit score.

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
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 13.74% to 24.74% 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.
1.5x miles on all purchases
0% intro for the first 14 months (then 13.74% to 24.74% variable)
$0
Earn unlimited 1.5x miles on all purchases - from airfare and hotels to groceries and online shopping.
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 13.74% to 24.74% 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.
2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases
24.74% variable
$0
2% cashback at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases.
2% back on gas and dining up to $1,000 combined each activated quarter, then 1% after that and on all other purchases
0% intro for the first 6 months (then 14.74% to 23.74% 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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Bottom line

Discover reports authorized users to credit bureaus, meaning you can build your credit score without applying for a Discover card. For this to work, the main cardholder needs to use the card responsibly.

As an alternative, consider a secured credit card or a student credit card to build your credit faster.

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