WalletHub, Financial Company
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You cannot apply for a joint Chase Freedom credit card account. Chase Bank stopped issuing joint accounts for all of its credit cards in 2013. Freedom cardholders (and other Chase credit card customers) may add an authorized user to an account as an alternative to applying jointly. All major credit card issuers allow authorized users on their credit cards. But as of today, PNC and U.S. Bank are the only major issuers that offer joint credit card accounts.
A Chase authorized user shares a credit limit with the primary cardholder. They can use the card to make purchases and build credit, but are not responsible for making payments on the account. Authorized users are allowed to report lost or stolen cards, but they cannot add another authorized user, request a credit limit increase or make any other changes to the account. Only the primary cardholder can make changes and is ultimately responsible for all charges on the account. All card activity will appear on both users’ credit reports.
The difference between an authorized user and a joint credit card user is that joint users have the authority to make changes to the account. Both parties are also on the hook for balances owed on a joint account.

Chase Freedom®
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