Published in: Credit Cards | Jan. 21, 2019
By: Lyle Daly
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.
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:
There are a few benefits of adding an authorized user to your Chase card:
After you've logged in to your Chase account, you can add an authorized user by following these steps:
You'll need to enter this information about the person whom you're making an authorized user:
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.
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 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:
This probably isn't much of a surprise, as Chase would lose money issuing credits worth more than the annual user fee.
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:
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.
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