Cards that reward you for adding an authorized user

An auauthorisedauthorized user on a credit card account can benefit both the primary cardholder and the person added to the account. Cards that reward you for adding an authorized

• It’s a convenient way to take care of your family members. For example, you can add your child to your credit card account to make sure they always have access to funds. You’ll be able to track their spending and manage expenses, as well as let them learn to use a credit card responsibly.
• It’s safer than a joint account. If you’d like to share your account with your significant other or friend, adding them as an authorised user is a safer choice. It’s easier to remove an authorised user than to figure out who’s responsible for debt on a joint credit card account if the relationship goes sour. Cards that reward you for adding an authorized
• It can help you to earn rewards faster. Any purchases your authorised user makes earn miles and points in your account. This can allow you to earn rewards quicker, as well as meet the minimum spending requirement for an intro bonus.
• It can offer you a chance to get a bonus for adding an authorised user. Credit card issuers sometimes offer limited-time promotions giving cardholders a bonus for adding an authorised user. Cards that reward you for adding an authorized

See related: When should you get your child a credit card?

Cards that offer a bonus for adding an authorized user

If you’re considering adding an authorised user to your credit card account, check the offers below to see if you’re eligible for a bonus: Cards that reward you for adding an authorized

• Earn up to 5,000 Flying Club bonus miles when you add additional authorised users to your Virgin Atlantic World Elite Mastercard®.
• Earn up to 2,500 bonus miles when you add an authorised user to your United℠ Explorer Card with this targeted offer.

Other credit cards might send out targeted offers for a bonus as well. American Express is known for doing that often. For example, in May 2020 the issuer sent out offers for the American Express Platinum Card®, giving 5,000 points per authorised user added, according to Doctor of Credit. Cards that reward you for adding an authorized

Should you add an authorised user to your credit card?

While there are certain benefits to adding an authorised user or your credit card account, remember to consider the risks as well. Make sure you can trust the person you’re thinking of adding because their credit card usage can affect your credit. Cards that reward you for adding an authorized

For example, if the authorised user makes substantial charges pushing the card’s balance close to its limit, your credit utilization ratio will increase. Since it’s an incredibly important credit score factor and having a ratio of over 30% can hurt your credit, your authorised user’s spending behaviour can cost you credit score points.

On top of that, if your authorised user agreed to pay for their charges and then didn’t, you’re still responsible for taking care of the bill. In the worst-case scenario, you may end up with large amounts of debt you’re legally required to pay. Cards that reward you for adding an authorized

Finally, such events can strain your relationship with the authorised user. Money matters are always a sensitive topic, so make sure they won’t become an issue if you add a user to your credit card account. Cards that reward you for adding an authorized

Final thoughts

Adding an authorised user to a credit card account can be beneficial for both the authorised user and the primary cardholder. When you add someone to your credit card account, you’re helping them build credit in a safe way while earning rewards faster. And certain cards can offer a bonus for adding an authorised user. Cards that reward you for adding an authorized

However, make sure you can trust the person you’re adding to your account to avoid being left with credit damage or significant debt.