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Readers frequently email to ask about the impact of being an authorized user on someone’s credit card. There are several benefits and drawback to being an authorized user so let’s have a look!
Authorized VS. Joint Users
An authorized user is someone who can run up charges on a credit card on your behalf. An authorized user is usually not personally liable for the charges on the credit card, but the primary card holder is liable for those charges. So only add someone whom you trust as an authorized user.
You can usually add an authorized user by calling the customer service number at the back of your credit card. Some banks will let you add an authorized user online or when you apply for the card.
On the other hand, a Joint User is equally liable for the 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 separately).
Advantages of having an Authorized User
1. Help Complete Minimum Spending
Having your partner as an authorized user on a credit card accounts means that any spending on the card counts towards your minimum spending requirements and that you get the miles and points earned for the authorized user’s spending. Continue reading
I have earned and redeemed millions of airline miles and hotel points to travel the world for free. Now I'm blogging to help more people do the same! 
