Chip Lupo, Credit Card Writer
To add a PenFed Gold Visa authorized user, fill out and submit the PenFed authorized user form, call customer service at 1 (800) 247-5626. You will need to provide the person’s full name, relationship, Social Security number/ITIN and date of birth to add them as an authorized user.
A primary cardholder can make anyone a PenFed Gold Visa authorized user, as long as they are at least 15 years old. There is a limit of 3 authorized users allowed on the account, though.
2 Ways to to Add a PenFed Gold Visa Authorized User
- Call PenFed customer service. Call the number on the back of your credit card, follow the prompts, and ask a representative to add your authorized user.
- Submit the PenFed authorized user form. Fill out this form and securely upload it on PenFed's website, or mail it to:
PenFed Card Services,
PO Box 70046,
When you add a PenFed Gold Visa authorized user, they will receive their own credit card, sent to your mailing address, within 5 - 7 days of being added to the account. The authorized user’s credit card will be linked to your account and will have full access to the account’s credit limit. PenFed authorized users are able to make purchases, earn rewards, make payments. However, they cannot add or delete cardholders, or terminate/modify the existing account agreement.
In addition, any purchases an authorized user makes on the account will appear on your statement, and as the primary cardholder, you are responsible for all purchases on the account. PenFed reports account information to all three of the major credit bureaus, which affects not only the user’s credit history, but also the primary cardholder’s. Authorized users may be removed from an account at the user’s or primary cardholder’s request at any time, and for any reason.
PenFed Gold Visa® Card
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