Maximize Your Rewards: Top Credit Cards for Authorized Users
Adding authorized users to your credit card account can be a strategic move that benefits both the primary cardholder and the additional cardholders. This practice not only helps the primary cardholder meet spending requirements more quickly but also allows authorized users to leverage the primary cardholder’s credit history, potentially boosting their credit scores. Moreover, certain credit cards offer exclusive perks for authorized users, such as lounge access and reimbursements for Global Entry or TSA PreCheck applications.
If you’re considering adding authorized users to your credit card, here’s a detailed look at the benefits, the best credit cards for this purpose, and the perks available to authorized users.
Understanding Authorized Users
An authorized user is someone who is permitted to use your credit card account. They receive their own physical card linked to your account, allowing them to make purchases while benefiting from your credit history. Adding authorized users can be a cost-effective way to share the advantages of a credit card without incurring additional annual fees associated with new accounts.
For example, adding a family member or spouse as an authorized user can enhance their credit profile, especially for younger individuals or those with limited credit histories. However, it’s essential to check your credit issuer’s minimum age requirements before adding a child as an authorized user.
Reasons to Add Authorized Users
1. Earn Rewards Faster: Many credit cards offer bonus points for adding authorized users. For instance, American Express has targeted promotions where cardholders can earn up to 20,000 bonus points for adding additional users.
2. Meet Spending Requirements: Any spending made on an authorized user’s card counts toward the primary cardholder’s spending activity. This can be particularly beneficial when trying to achieve a welcome bonus or other spending-based rewards.
3. Build Credit History: Adding someone as an authorized user can help them establish or improve their credit score. Responsible usage of the card can positively impact their credit report, as long as payments are made on time.
4. Share Points and Miles: Depending on the issuer, authorized users may be able to pool their points and miles with the primary cardholder, maximizing travel rewards.
Top Credit Cards for Authorized Users
Here’s a closer look at some of the best credit cards that offer valuable benefits for authorized users:
# 1. Capital One Venture X
The Capital One Venture X is a standout in the premium rewards category, boasting a $395 annual fee and allowing up to four authorized users at no additional cost. Authorized users enjoy perks like complimentary Hertz President’s Circle elite status and essential trip protections. However, starting February 2026, lounge access will incur a fee of $125 per additional cardholder.
# 2. Chase Sapphire Reserve
With an annual fee of $795, the Chase Sapphire Reserve offers a range of benefits for both primary cardholders and authorized users. Authorized users receive their own Priority Pass Select membership, granting access to over 1,700 airport lounges globally, along with complimentary DoorDash DashPass for at least 12 months. Each additional card costs $195 per year.
# 3. American Express Platinum Card
The Amex Platinum is renowned for its extensive benefits, including access to the American Express Global Lounge Collection. Authorized users can receive reimbursements for Global Entry or TSA PreCheck application fees and enjoy elite status with hotels and rental car companies. Adding an authorized user costs $195 per card.
# 4. American Express Business Platinum Card
Similar to its personal counterpart, the Amex Business Platinum provides authorized users with access to premium lounge facilities and statement credits for Global Entry or TSA PreCheck. However, adding an authorized user comes with a fee of $350 per card.
# 5. Delta SkyMiles Reserve Card
Both personal and business versions of the Delta SkyMiles Reserve card offer access to Delta Sky Clubs and Amex Centurion Lounges for authorized users traveling on same-day Delta flights. The annual fee is $650, and additional cards cost $175 each.
# 6. Citi / AAdvantage Executive World Elite Mastercard
This card comes with a $595 annual fee and grants authorized users access to select American Airlines Admirals Clubs, allowing them to bring family members or guests into the lounge. Each additional card costs $175.
Considerations Before Adding Authorized Users
While there are many benefits to adding authorized users, it’s important to consider a few potential drawbacks:
– Accountability: As the primary cardholder, you are responsible for all spending made by authorized users. Overspending can lead to increased debt and negatively impact your credit score.
– Annual Fees: Some credit cards charge fees for adding authorized users. Be sure to understand these costs before proceeding.
– Limited Benefits: Authorized users may not enjoy all the same perks as the primary cardholder. For example, some benefits may require the primary cardholder to be present.
Conclusion
Adding authorized users to your credit card account can provide numerous advantages, from helping others build credit to maximizing your own rewards. However, it’s crucial to choose the right credit card and understand the associated responsibilities and costs. By carefully considering your spending habits and the benefits offered by various cards, you can make informed decisions that enhance your financial strategy and reward potential.
As you explore credit card options, remember to evaluate how adding authorized users aligns with your overall financial goals. With the right approach, you can leverage your credit card to create value for both you and those you choose to include on your account.
