Can My Wife Apply for the Same Card in Her Own Name?

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Can My Wife Apply for the Same Card in Her Own Name?

Million Mile SecretsCan My Wife Apply for the Same Card in Her Own Name?Million Mile Secrets Team

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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?

Can My Wife Apply For The Same Card In Her Own Name
Can Steve’s Wife Apply for a Credit Card in Her Name?

Yes!  A spouse, partner, or family member living with you can apply for the exact same credit cards and receive the sign-up bonuses!

Emily and I do this to earn more Big Travel with Small Money.  For example, we each have the Chase Sapphire Preferred, Ink Plus and other cards.  And we each got the sign-up bonus on the card!

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!

Double Points 

If Steve’s wife is an authorized user on his Chase Sapphire Preferred card, she could still get a 40,000 point sign-up bonus when she applies for her own Sapphire Preferred card.

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).

Bottom Line

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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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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Can I use my business EIN for LLC to get my wife a card using her ss#, info etc.? Is there any way for them to know if she is a part of the business or not?

What about a business card? Can my wife apply for the same business card that I already have, under the same business, since we both run our personal business together?

I don’t know if you heard, but the Chase site is now showing that the Sapphire Preferred Cards has a $125 annual fee now. The must have just changed it.

So my wife always feels awkward buying VRs. If I’m an authorized user on any future cards I can just buy these for her and they will count toward her minimum spend requirements, right?

Million Mile Secrets

@Jon – You sure can!

@Lena – I went through the same experience with the SPG AX card – my offer was 10k after first purchase, and then 20k after spend was met. I got the 10k, but not the 20k. Called AX and they told me there was no 20k in the offer. Well – I still have the original email where they outlined the terms and specified the 20k. I pestered AX until they gave me the additional 20k. Simultaneously I appealed to Too bad they made me jump through hoops just to get them to fulfill their part of the bargain. At any rate, don’t give up – keep ringing their phone. It took me two calls to AX (total of about an hour) and two or three emails to – – AX never bothered to call me back; the miles just appeared finally. On the other hand, William @ followed up with an email when he found that AX conceded they owed me the 20k:

Dear Mr. ———–,

Thank you for your patience while we sorted this out. It seems that AMEX agrees that you should have gotten an additional 20K Starpoints for this offer, so they are going to deposit that amount into your SPG account as a gesture of goodwill.

Congratulations, and thank you for your loyalty to Starwood Hotels & Resorts and for being a Preferred Plus member in Starwood Preferred Guest.

Best regards,

William R. Sanders

Social Media Specialist

Starwood Hotels & Resorts Worldwide

Million Mile Secrets

@weina xiang – You should get the referral bonus, but just make sure that it is for the best publicly available offer.

@sheila – I’d suggest starting with the Freedom or entry-level card and then trying to get the “premium” cards such as the Sapphire Preferred or United card etc.

@Sam – That’s very helpful. Thanks so much for sharing!

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