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[Disclosure: Emily and I get a commission for the links to the cards in this post. You don't have to use our links, but it helps keep the blog going so we're very grateful when you do!]
Million Mile Secrets reader Steve Merchant commented:
Can I have my wife apply for a card in her name and get the bonus points? Or are we considered as a family?
Yes! A spouse, partner, or family member living with you can apply for the exact same credit cards and receive the sign-up bonuses!
But What If Your Partner Has a Limited Credit History?
If Steve’s wife hasn’t established enough credit history to get her own cards, she can start by being an authorized user of her husband’s cards.
This will help her establish a credit history and a good credit score.
Can an Authorized User Get the Bonus?
Yes, a parter who is already an authorized user on your card can apply for the same card in his or her own name. And still get the sign-up bonus!
So Steve’s partner can get the same credit card which Steve has to earn more points!
The 40,000 points Steve’s wife could get from the sign-up bonus would give them more Ultimate Rewards points to use for travel.
By getting her own card and the sign-up bonus, Steve’s wife would earn more points faster.
But, Steve’s wife would not get the sign-up bonus if she were a Joint User. A Joint User is different from an authorized user because a Joint User is financially responsible for charges on the credit card.
And a Joint User usually CANNOT get the credit card sign-up bonus for him or herself again (unlike an authorized user who can get the bonus).
Steve’s wife can get the sign-up bonus when she applies for a card in her own name even if she is an authorized user on his account.
Emily and I often apply for the same card, even when we’re authorized users on each other’s cards. This way we double our sign-up bonus and get Big Travel with Small Money!
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