Four or more authorized users can be on a credit card, depending on the issuer and the specific card. Some credit card companies limit how many users you're allowed to add, whereas others have no restrictions on the number of authorized users that can be on a credit card account.
Maximum Number of Authorized Users Allowed by Major Credit Card Issuers
Certain credit cards, such as business credit cards and co-branded travel cards, may have different limits, so be sure to contact customer service or refer to your cardmember agreement before adding any authorized users.
It's also important to understand that the primary cardholder, not the authorized user, is responsible for all charges on the account regardless of who made them. Any mistakes on the account, such as late payments or maxing out the credit limit, may negatively affect both people's credit scores, though. The primary cardholder or the authorized user can log into their online account or mobile app, or call the issuer's customer service department, at any time to remove the authorized user from the account.
There is no limit on how many Chase credit card authorized users you can have, but it’s important to note that the primary cardholder is financially liable for all charges on the account, including authorized user fees.
And adding an authorized user is free on most Chase credit cards. However, you will have to pay $75 for every authorized user you add to the Chase Sapphire Reserve. That's because the authorized users' purchases count towards the rewards the card has and they’re eligible for the card’s Priority Pass airport lounge membership as well as travel benefits such as trip cancellation protection.… read full answer
Yes, authorized users do build credit. You can actually build a good or excellent credit score just as an authorized user on a credit card. When you become an authorized user, the account is added to your credit report, which means on-time payments by the primary cardholder will help you build good credit history. But because authorized users are not responsible for paying the bills, credit scores don’t give authorized user accounts as much weight. So you won’t build credit as fast as an authorized as you would with your own credit card account.… read full answer
Still, the fact that most credit card companies don’t have a minimum age for authorized users, means becoming one is a great way to build credit before you can get your own account. But there are a few positives and negatives you should know about before becoming an authorized user.
Here’s how authorized users build credit:
A friend or family member adds you to their credit card account as an authorized user.
The credit card account gets added to your credit reports, just like if it were your own account.
The issuer gives updated account information to the credit bureaus on a monthly basis.
Your credit standing improves if the account owner has on-time payments, low credit utilization and other signs of financial responsibility.
Your credit gets hurt if the account holder behaves irresponsibly.
You can get an account with negative information removed from your report, since you aren’t responsible for making payments.
Authorized users do build credit, but that credit can be good or bad, depending on how the primary accountholder manages balances and bill payments. So you only want to become an authorized user on an account owned by someone responsible.
But in the event that an authorized user account does end up hurting your credit, you can dispute the account to get it removed from your credit report. That’s because any mistakes made won’t be your responsibility.
Finally, you’ll build credit faster if you also have your own credit card account that you use responsibly. You can get a starter credit card once you turn 18 years old, as long as you have enough money to pay the bills.
If you have bad credit and are worried you won’t get approved, try applying for a secured credit card. Secured cards require security deposits, but they have the highest approval odds of all credit cards and accept people with bad credit.
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