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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?
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
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:
- 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!
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
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 months, they’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.
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.