The Blue Cash Everyday® Card from American Express does not offer an authorized user bonus, currently. Some credit cards give a bonus for adding an authorized user, though this is a relatively rare feature and the Amex Blue Cash Everyday Card is not among the cards offering it.
Adding an authorized user to your Amex Blue Cash Everyday Card still has benefits, though. To start, the authorized user is able to build credit. In addition, an authorized user’s spending still counts toward earning a card’s initial bonus. And authorized users’ purchases will earn rewards at the same rate as the primary cardholder’s purchases. Only the primary cardholder is able to redeem rewards earned by any user on the card, though.
Some credit card companies let you add an authorized user without providing that individual’s Social Security Number (SSN). You only need their name, birthday and address in some cases.
But requirements vary by credit card company, and not all of them will allow you to add an authorized user with no SSN. To give you a better sense of what is required to add an authorized user, we looked into some of the most popular issuers’ policies.… read full answer
Popular issuers' authorized user requirements:
Capital One – Name, Birthday and Phone Number. An SSN is required to add an Account Manager (a type of authorized user with increased account access, including the ability to set up their login details to manage the account).
Chase – Name, Birthday, Address and Relationship to Primary Cardholder
Barclaycard– Name, Birthday, Address, Relationship to Primary Cardmember and Citizenship status
Before adding an authorized user, you should also make sure to weigh the benefits and potential drawbacks of doing so. On the one hand, it will help the authorized user build credit. And if you mess up, the authorized user can have the negative records removed from his or her credit report. On the other hand, you’re the one who’s responsible for paying the bill every month.
Yes, an authorized user can affect the primary accountholder's credit score if the authorized user is able to charge purchases to the account, either with their own card or because they know the account number.
Simply adding an authorized user to an account will not have an impact on your credit score, as the owner of the account. If, for example, the authorized user has a lower credit score than you, it won't hurt your credit score by association or anything like that. But if the authorized user racks up a bigger balance than you were planning on, it could hurt your credit score by increasing your credit utilization. Expensive debt also increases the likelihood of missed payments, which would hurt your score, too.… read full answer
So, the bottom line is that an authorized user can indirectly cause some credit score damage, but not if they don't have spending privileges.
To remove an authorized user from a credit card, call the customer service phone number on the back of your card or make the request through your online account. You can also mail your request to the issuer, though it would be much slower. Either the primary cardholder or the authorized user can request removal. … read full answer
You will need to provide the card number, the primary cardholder’s name, and the authorized user’s name. Some credit card companies require other info such as the primary cardholder’s date of birth, Social Security number, or the answer to a security question.
How to Remove an Authorized User From a Credit Card
Over the phone: Call the number on the back of your card and provide your card number to identify yourself. When you speak with a representative, tell them you’d like to remove an authorized user.
Online. Go to the account management page. Find the section for authorized users, select the user you’d like to remove, and confirm removal. Most credit card issuers allow you to remove authorized users online.
Via mail. Some issuers also allow you to remove an authorized user by mail. Just note that this method is the slowest. Use certified mail if you’d like confirmation of receipt.
Most credit card companies allow either the primary cardholder or the authorized user to request removal. Just note that an authorized user cannot remove another authorized user from a credit card. You should also keep in mind that the specifics of removing an authorized user vary by credit card company.
Ways to Remove an Authorized User with Major Credit Card Companies
It is also worth noting that the primary cardholder can remove an authorized user for any reason. However, there are a few common ones that tend to arise.
Common Reasons for Removing an Authorized User
Decision to take control of one’s own debt without others making purchases
Divorce or separation
The authorized user has built up a decent credit history and can now qualify for a card of their own
Termination of employment of a worker who is listed as an authorized user on a business credit card account
After you remove an authorized user from a credit card, make sure the user knows. That way, they won’t be surprised when they try to use the card and are unable to purchase anything.
What to Watch Out for After an Authorized User’s Removal
Once you remove an authorized user from your credit card, the card’s past payment history, whether negative or positive, will usually remain on the authorized user's credit report. But no new activity from the card will be added. The authorized user may contact the credit bureaus to ask them to remove the history. It is also worth noting that the authorized user’s credit score could either improve or drop slightly when they are removed from a credit card, depending on the situation.
Most credit card issuers will remove an authorized user immediately after the request is made. In the meantime, some issuers will allow you to freeze the authorized user’s card or set its spending limit to $0 through your account settings.
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