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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.
You can add an authorized user with Chase online or over the phone. Here's how to do it online:
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.
You can add an authorized user with any Chase card. If you don't have one yet, you may want to pick one that offers rewards. With two people spending money, you'll earn those rewards even more quickly. You'll see a few of the best Chase credit cards for rewards side by side in the table below.
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Chase Freedom Flex℠ | Chase Freedom Unlimited® | Chase Sapphire Preferred® Card |
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Apply Now for Chase Freedom Flex℠
On Chase's Secure Website. |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Good/Excellent (670-850) |
Welcome Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening! $200 bonus |
Welcome Offer: Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. Up to $300 cash back |
Welcome Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. 60,000 bonus points |
Rewards Program: 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. 5% cash back offer |
Rewards Program: Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases 1.5% - 5% cash back |
Rewards Program: Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases |
Intro APR: 0% Intro APR on Purchases Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months |
Intro APR: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months |
Intro APR: N/A Purchases: N/A Balance Transfers: N/A |
Regular APR: 20.49%-29.24% Variable |
Regular APR: 20.49% - 29.24% Variable |
Regular APR: 21.49%-28.49% Variable |
Annual Fee: N/A $0 |
Annual Fee: N/A $0 |
Annual Fee: N/A $95 |
Highlights:
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Highlights:
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Highlights:
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Apply Now for Chase Freedom Flex℠
On Chase's Secure Website. |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website. |
Show More Show Less |
When you add an authorized user with Chase, you're responsible for their transactions on the account. There are several risks to this.
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.
There's one more potential downside to adding an authorized user on your Chase card: They won't be eligible for that card's welcome offer. That's something to think about, especially for couples who want to maximize credit card rewards.
For example, let's say you're looking at a Chase card with a welcome offer of 60,000 points. If you and your spouse both get that card separately, you can each earn sign-up bonuses of 60,000 points, for a total of 120,000 points. If you get it and add your spouse as an authorized user, you can only earn those 60,000 bonus points once.
RELATED: How to Maximize Your Credit Card Rewards
There are also perks of adding an authorized user with Chase.
Most Chase credit cards don't charge a fee to add authorized users. The exceptions are the Chase Sapphire Reserve® and the J.P. Morgan Reserve. Both of those cards charge a $75 annual fee for each authorized user card.
You can double check this in your card's pricing and terms. Chase also lets you know which of its cards charge an authorized user fee when you go through the process of adding an 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:
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.
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:
Here are some other questions we've answered:
Yes, Chase allows you to add authorized users. You can do so online in your Chase account or over the phone by calling the number on the back of your card.
With most Chase credit cards, you can add authorized users free of charge. The only ones that charge a fee are the Chase Sapphire Reserve® and the J.P. Morgan Reserve, which both charge a $75 annual fee per authorized user.
Adding an authorized user with Chase can affect that person's credit. Chase reports authorized user activity to all three major consumer credit bureaus, if the authorized user is at least 18 years old.
That means the activity on the card, including the payment history, can impact the authorized user's credit. If the primary cardholder pays on time and follows other responsible credit habits, then the authorized user's credit score will likely improve.
Our Credit Cards Experts
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