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How to Add an Authorized User With Chase

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When you add an authorized user with Chase, that person gets their own Chase credit card tied to your account. This is ideal if you want them to be able to pay for purchases using your Chase card. Cardholders often set this up with spouses and children, and business owners do so with their employees.

While the process to do this is quick and easy, it's not a decision to take lightly. Here's how to add an authorized user with Chase and some details to consider before you do.

How to add an authorized user with Chase

You can add an authorized user with Chase online or over the phone. Here's how to do it online:

  1. Log in to your Chase account.
  2. Click on the credit card account you want to add a Chase authorized user for.
  3. Click "More…" to see more options, followed by "Account services."
  4. From the Account services dropdown menu, click "Add an authorized user."
  5. Fill out the form with your authorized user's full name, date of birth, and address.

Once you've submitted this form, the authorized user will get their Chase credit card within seven to 10 business days.

If you want to add a Chase authorized user over the phone, you can call the number on the back of your Chase card.

Risks of adding a Chase authorized user

When you add an authorized user with Chase, you're responsible for their transactions on the account. There are several risks to this:

  • You'll need to pay off any charges they make.
  • A high balance could increase your credit utilization ratio (the amount of credit you're using compared to what you have available). That can damage your credit score.
  • If you can't repay your bill in full, you'll incur credit card interest.

You're essentially trusting your credit to the authorized user. Their activity with the card will go on your credit report. Considering the risks involved, you should be very careful about who you add to your Chase account.

Benefits of adding a Chase authorized user

There are also perks of adding an authorized user with Chase:

  • The authorized user can use your credit card account without you being present. This is especially helpful for spouses who want to combine finances and business owners who authorize employees to make purchases for the company.
  • Your authorized user's purchases will add to your rewards. Their purchases will also apply to any spending minimums you need to meet for a sign-up bonus. This can be especially helpful if you have a Chase travel rewards card or cash back card.
  • It can help improve the authorized user's credit history. This is one reason parents sometimes make their children authorized users on their credit cards. Your child could start building a good credit score early in life this way.

Great cards for authorized users

These Chase credit cards are known for earning rewards quickly. So if you've added an authorized user to one of these cards, their spending can rack up points faster than it would on some other credit cards.

As of Jun. 21, 2022
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Chase Sapphire Reserve® Marriott Bonvoy Boundless® Credit Card

Amazon Prime Rewards Visa Signature Card

Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Credit Rating Requirement:

Good/Excellent (670-850) Info Icon Circle with letter I in it.

Credit Rating Requirement:

Good/Excellent (670-850) Info Icon Circle with letter I in it.

Credit Rating Requirement:

Good/Excellent (670-850) Info Icon Circle with letter I in it.

Welcome Offer: Info Icon Circle with letter I in it.

60,000 points

Welcome Offer: Info Icon Circle with letter I in it.

5 free nights

Welcome Offer:

$70 Amazon gift card

Rewards Program: Info Icon Circle with letter I in it.

1x - 10x points

Rewards Program: Info Icon Circle with letter I in it.

2x - 17x points

Rewards Program: Info Icon Circle with letter I in it.

1% - 5% back

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Intro APR:

Purchases: N/A

Balance Transfers: N/A

Regular APR:

17.74% - 24.74% Variable

Regular APR:

16.74% - 23.74% Variable

Regular APR:

14.24% - 22.24%, variable

Annual Fee:

$550

Annual Fee:

$95

Annual Fee:

$0

Highlights:

  • New Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Highlights:

  • For a Limited Time Only! Earn 5 Free Nights (each night valued up to 50,000 points) after qualifying purchases.
  • Our Best Free Night Offer!
  • New Benefit! Earn 3X Bonvoy points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
  • New Benefit! Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • 2X Bonvoy points for every $1 spent on all other purchases.
  • Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.

Highlights:

  • Exclusively for customers with an eligible Prime membership
  • $70 Amazon.com Gift Card instantly upon credit card approval
  • 5% back at Amazon and Whole Foods
  • 2% back at gas stations, restaurants and drugstores
  • 1% back on other purchases
  • No foreign transaction fees
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

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Is there a fee for a Chase authorized user?

Most Chase credit cards don't charge a fee to add authorized users. If a Chase card does have an authorized user fee, it will be listed in the card's annual fee section.

The Chase Sapphire Reserve® charges $75 per authorized user. Each authorized user on this card will get their own Priority Pass Select membership for airport lounge access. They won't receive any of the Chase Sapphire Reserve® spending credits.

Can you set a spending limit on a Chase authorized user?

With Chase's personal credit cards, you can't set a spending limit on an authorized user. You can, however, lock and unlock an authorized user's card from your online account.

It's different with Chase business credit cards. When you add employee cards, you can set spending limits on each one. Here's how:

  1. Log in to your account and click on the card.
  2. Click "Things you can do" and select "Set spending limits" from the dropdown menu.
  3. Select the card, enter your desired spending limit, and click "Submit."

How to remove an authorized user with Chase

You need to contact Chase to remove an authorized user account. The fastest option is to call the card issuer, but you can also send a secured message. Once you've removed an authorized user, their card won't work anymore.

Note that for Chase personal credit cards, the card number is the same for the primary cardholder and each authorized user. Even if you remove a Chase authorized user, they'll still have your card number. You may want to request a replacement credit card if you're worried about someone using your card number when they're no longer an authorized user.

You won't have this problem with Chase business credit cards because employee cards have different card numbers.

Adding an authorized user with Chase is a useful option in certain situations. Just make sure the person you add is someone you trust completely. You're the primary account holder, so ultimately it's your credit on the line.

Choosing a credit card

Don't you wish you could take a peek inside a credit card expert's wallet sometimes? Just to see the cards they carry? Well, you can't look in anybody's wallet, but you can check out our experts' favorite credit cards. Get started here:

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