Published in: Credit Cards | Jan. 21, 2019
How to Add an Authorized User to a Chase Credit Card
By: Lyle Daly
Chase makes it easy to add an authorized user to your credit card. Find out how you can do it and what doing so will mean for you and the person you’re adding to your account.
Image source: Getty Images.
If you want another person to be able to pay for purchases using your Chase card, you can set them up as an authorized user. They’ll have their own card linked to the account, exactly like yours, although certain card benefits may only be available to you as the primary cardholder.
While the process to set this up is simple, it’s not a decision to take lightly. Here’s the specifics on adding an authorized user to a Chase card, including how it works and what happens after you do it.
What you need to know first
When someone is an authorized user on your Chase credit card account, you’re responsible for the transactions they make with the card. Anything they do with the card can affect both your credit and theirs.
For example, if your authorized user runs up a high balance on the card, you’ll be responsible for paying it, and the high credit utilization could cause your credit score to drop.
For this reason, you should be very careful about who you add as an authorized user. The most common types of people to add as authorized users are:
- Employees (if you have a Chase business card)
Why add someone to your Chase card?
There are a few benefits of adding an authorized user to your Chase card:
- Any spending they put on your card can earn you travel rewards or cash back. This spending also applies to any minimums you need to meet on a sign-up bonus.
- It’s more convenient for both of you, as they can use your credit when necessary without you being there. This is particularly helpful for business owners who authorize their employees to make purchases for the company.
- It can help build their credit, which is one reason parents sometimes make their children authorized users on their credit cards.
How to add an authorized user
After you’ve logged in to your Chase account, you can add an authorized user by following these steps:
- Click on the credit card account where you wish to add the authorized user.
- Click “Things you can do,” and then select “Add an authorized user” from the drop-down menu.
- Fill out the form.
- Click “Add Authorized User.”
You’ll need to enter this information about the person whom you’re making an authorized user:
- Full name
- Date of birth
- Residential address
Make sure all the information you enter is accurate and current. If you provide false information, Chase could close your account and any others you have with it. The authorized user will get their card within seven to 10 business days.
Is there a fee for authorized users?
On most Chase cards, you won’t need to pay anything for your authorized users. The only current exception is the Chase Sapphire Reserve®, which has a fee of $75 per authorized user.
Authorized users access to benefits
Authorized users on Chase cards generally get all the same perks as the primary cardholder, but the Chase Sapphire Reserve® is an exception again. Although authorized users will get their own Priority Pass Select membership for airport lounge access, they won’t receive the following:
- $300 annual travel credit
- Up to $100 credit for Global Entry or TSA Precheck membership
This probably isn’t much of a surprise, as Chase would lose money issuing credits worth more than the annual user fee.
Setting spending limits on business credit cards
With Chase’s personal credit cards, there’s no way to limit what an authorized user can spend. It’s different with Chase’s business cards, such as the Chase Ink Business Cash℠ and the Chase Ink Business Preferred℠.
If you’re a business owner and you want to limit how much an employee can spend as an authorized user, this is how to do it:
- Log in to your account and click on the card.
- Click “Things you can do” and select “Set spending limits” from the drop-down menu.
- Select the card, enter your desired spending limit, and click “Submit.”
Adding an authorized user to your Chase card is a useful option in select situations. Maybe you want your teenager to have a card of their own in case of emergencies, or if you and your spouse have combined finances, it could make sense to get them a card tied to your account. Just make sure the person you add is someone you trust completely, because ultimately it’s your credit on the line.
Our #1 cash back pick has a surprise bonus
This may be the perfect cash back card! That's because it packs in $1,148 of value. Cardholders can earn up to 5% cash back, double rewards in the first year, and avoid interest well into 2020. With such a deep bench of perks you'll wonder how this card packs in a $0 annual fee. Best yet, you can apply and get a decision in two minutes. Learn more with our in-depth review.