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Will Becoming an Authorized User Prohibit You From Earning a Future Sign-Up Bonus?

Will Becoming an Authorized User Prohibit You From Earning a Future Sign-Up Bonus?

Million Mile SecretsWill Becoming an Authorized User Prohibit You From Earning a Future Sign-Up Bonus?Million Mile Secrets Team

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Million Mile Secrets reader, Trup, commented:

Do you know how adding a child as an authorized user affects their once in lifetime opportunity to earn a sign-up bonus on an AMEX card?

Will Becoming An Authorized User Prohibit You From Earning A Future Sign Up Bonus
Even If Your Child Becomes an Authorized User, They’re Still Eligible to Earn a Sign-Up Bonus in the Future on the AMEX Starwood Card and Other Cards!

Adding your child as an authorized user on your account is a terrific way to help your son or daughter establish credit history.

And the good news is authorized users can still earn a sign-up bonus on the same card if they decide to apply for their own card in the future.  So you don’t have to worry about restrictions from banks because their sign-up bonus rules apply to the primary cardholder.

But before adding a child as an authorized user on all of your accounts, consider the impact for future Chase card applications.

Perks of Adding an Authorized User

Link:   Authorized Users Can Be Good & Bad

Link:   Can an Authorized User Help You Meet a Card’s Minimum Spending Requirement?

Lots of folks add a partner or loved one to their card accounts.  Besides a potential boost to the authorized user’s credit score, there are other benefits of adding someone to your account like:

  • Earn bonus miles or points just for adding an authorized user with certain cards like the Chase Sapphire Preferred
  • Easily track spending and manage expenses
  • Help the authorized user learn how credit cards work
  • Access to savings and deals with AMEX Offers when you add an authorized user to an AMEX card
  • Any purchases made by the authorized user will earn miles & points in your account
  • Meet minimum spending requirements faster

But charges on authorized user accounts are ultimately your responsibility.  So before you add someone, make sure it’s someone you trust!

Will Becoming An Authorized User Prohibit You From Earning A Future Sign Up Bonus
Team Member Jasmin’s Daughters Are Authorized Users on Her Sapphire Preferred Account!

Million Mile Secrets reader Jade commented how becoming an authorized user on her parents’ accounts helped her get approval for her own cards much faster!

Keep in mind, to earn a new card sign-up bonus, an authorized user will have to apply for the card themselves.

Consider the Impact for Chase Application Rules

Link:   Rules for Chase Credit Card Approvals

Link:   Which Cards Should You Consider With the Stricter Chase Application Rules?

An authorized user account will appear on your credit report and could count towards Chase’s tougher application rules.

This means if the authorized user has been added to or opened ~5 or more credit cards (NOT counting Chase business cards and these other business cards) in the past 24 monthsthey’re unlikely to get approved for most Chase cards.

So if your authorized user wants to earn the sign-up bonus on a Chase card in the future, you might want to hold off on adding them to multiple accounts.  Although I’ve heard folks having success asking Chase to reconsider applications if their recent new accounts are only authorized user cards.

Bottom Line

Authorized users are eligible to earn a new card sign-up bonus on the same card if they decide to apply in the future.  Only primary cardholders are restricted to earning the sign-up bonus on a specific AMEX card once per lifetime.

There are lots of benefits when adding an authorized user to your account, especially if it’s your child.  Some cards offer a bonus just for adding an authorized user.  And becoming an authorized user can help establish credit history and boost your credit score.

Just keep in mind, an authorized user account may count towards Chase’s tougher application rules.  This means having 5+ new authorized user accounts in a 24-month period could restrict them from earning lucrative sign-up bonuses on most Chase cards.

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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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When you add an authorized user, you just give the credit card company their name, and they issue a card. You don’t give them any personal information, especially not the SS#, so how do they identify your child? My teenage son is an authorized user on several of my accounts, but I’ve never provided them with anything more than his name. How does that translate into credit?