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Does Chase Run a Credit Check on Authorized Users?

Does Chase Run a Credit Check on Authorized Users?

Million Mile SecretsDoes Chase Run a Credit Check on Authorized Users?Million Mile Secrets Team

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Million Mile Secrets reader, Sean, commented:

If I add my wife (or anybody) as an authorized user, will it require her social security number?  And will the bank do a hard pull on her credit?

Sean wants to add his wife as an authorized user on his Chase Sapphire Preferred card to earn the 5,000 bonus Chase Ultimate Rewards points!  But will his wife’s credit score slightly dip temporarily from a credit inquiry?

Does Chase Run A Credit Check On Authorized Users
Sean Can Earn 5,000 Chase Ultimate Rewards Bonus Points by Adding His Wife as an Authorized User, and She Won’t Have to Worry About a Pull on Her Credit Report

I’ll explain why!

Why Add an Authorized User to Your Chase Sapphire Preferred?

Link:   Chase Sapphire Preferred

Link:   My Full Review of the Chase Sapphire Preferred

Link:   5,003 Reasons to Add an Authorized User to Chase Sapphire Preferred

When Sean adds his wife to his Chase Sapphire Preferred card and she makes a purchase within the 1st 3 months of opening your account, he’ll earn 5,000 Chase Ultimate Rewards points!

And the 5,000 extra points isn’t the only reason to add an authorized user.  There are also 3 other great benefits!

That’s in addition to the 50,000 Chase Ultimate Rewards points he’ll earn for signing-up for the card and spending $4,000 on purchases within the 1st 3 months of opening the account.

You can redeem Chase Ultimate Rewards points for cash back at 1 cent per point, and for travel booked through the Chase portal with no blackout dates at 1.25 cents per point.

That would make the 5,000 extra points Sean earns for giving his wife a card on his account worth at least $50 to ~$63!

Or he could get Big Travel from his points by transferring them to airline and hotel partners:

 Chase Ultimate Rewards Airline Transfer Partners 
Aer LingusBritish AirwaysFlying Blue (Air France/KLM)
IberiaKorean AirSingapore Airlines
SouthwestUnited AirlinesVirgin Atlantic
 Chase Ultimate Rewards Hotel Transfer Partners 
HyattIHGMarriott
Ritz-Carlton

Emily and I have used our Chase Ultimate Rewards points to help turn what would be $32,000 trip into a $2,000 getaway, a free stay at a ~$360 per night hotel, and more!

Does Chase Run A Credit Check On Authorized Users
Our Chase Ultimate Rewards Points Gave Use the Chance to Stay at the Beautiful Park Hyatt Paris-Vendome

Will Chase Do a Credit Inquiry on the New User’s Credit Report?

No.

When you apply for new cards, the bank pulls your credit report to determine whether or not you will handle the credit they issue you responsibly.  This lowers your score by ~3 to ~5 points.  Although the impact typically begins to drop off after ~3 to ~6 months.

Does Chase Run A Credit Check On Authorized Users
In the Short Term, Hard Pulls Lower Your Credit Score

But Sean’s wife isn’t completing a new card application.  So she does NOT have to worry about this.

When you add an authorized user to your account, Chase doesn’t ask for their social security number.

Chase doesn’t need a lot of information about the person on the authorized account because only you, the primary cardholder, are ultimately responsible for the account.  That’s why it’s important that you make sure you trust anyone you add to your account.

Bottom Line

When you add a friend or family member to your Chase Sapphire Preferred account, you’ll earn 5,000 Chase Ultimate Rewards points if they makes a purchase (of any amount) within the 1st 3 months of opening your account.

Chase typically doesn’t ask for an authorized user’s social security number, so you do NOT have to worry about their credit score going down ~3 to ~5 points from a credit inquiry.  That’s because the primary cardholder is ultimately responsible for charges on the account.

Just be sure the person you add to your account will use their card responsibly, and you’ll enjoy the 5,000 Chase Ultimate Rewards points!  And don’t forget, there are other great reasons to add an authorized user to your account!

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I want to increase my credit age. So I am planning to join as an authorized user in my sister’s CITI Double Cash Credit card. But CITI is not asking for my SSN, I doubt they will report to the credit bureau and it will increase my credit age?

I just applied for a Chase IHG card. Chase is also offering 5K bonus points for adding an authorized user and use that card within the first 3 months. I did NOT add my wife due to the 5/24 rule. But I did add my teenage daughter as an authorized user to my Chase IHG card (she could use a credit card anyway for emergencies). My question is how does Chase know if that authorized user card is actually being used vs the primary account card? Both the primary card and the AU card have the same numbers and same security code.

@Glenn,

my credit report did NOT show my small business credit card applications.. (I have Chase Ink Plus. and Chase united mileageplus) at least not with experian and transunion.

My credit card application was denied for chase sapphire preferred. they said i had applied for too many credit cards in the last 2 years. I looked at my credit report and I had only applied for 3. when I called the reconsideration line they had taken into account my husband’s two credit card applications that had added me as an authorized user. and in effect they thought I had applied for 5 credit cards in the last 2 years. so when they saw that mistake they approved it.

How about business card such as Ink Plus? Chase asks for SSN for additional AUs. Now, chase has limit for applying freedom and Sapphire for 5 or more credit cards within 2 years. If I add AU to one employee for Chase Ink Plus, will this card be counted to the “5 cards limit”?

Thank you.

Chase cards for authorized users don’t usually show up in the authorized user’s credit report. I have my sister as an AU on a couple of cards and the chase card info doesn’t. I have her on my capital one, and she got a new number, and that one shows on her report.

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