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Did you know you can add your child as an authorized user on credit cards? But should you? Does adding a child as an authorized user on credit cards hurt you? Here are the benefits of adding your children as authorized users to your cards and which banks let you add a child as an authorized user.
- Adding a Child as an Authorized User on Credit Cards
- What’s an Authorized User
- Why Add Your Child as an Authorized User
- Which Banks Let You Add a Child as a Credit Card Authorized User
Adding a Child as an Authorized User on Credit Cards
Here are some things you should know about adding children as authorized users on your credit cards.
What’s an Authorized User
An authorized user is someone who’s allowed to use your credit card but is not responsible to pay the bill.
So you want to be sure your kid won’t go crazy and run up your entire credit line after you’ve added them to your card. Whereas, a joint user is responsible to pay the bill.
An authorized user isn’t legally responsible to pay the bill. They’re limited to making purchases only. Usually authorized users can’t make changes to your card, such as requesting credit line increases, changing your address, or closing your card. And usually, they can’t take out a cash advance or authorize a balance transfer.
You can add an authorized user by calling the number on the back of your credit card. If you’re applying for a new credit card, you can add their name to the application.
When you add an authorized user on your card, the bank will issue a credit card with their name under your account.
Some banks like American Express will issue a new credit card number. While other banks like Chase, Citibank, Barclays, and US Bank will issue a card with the same credit card number. Adding your child as an authorized user to credit cards is easy.
Why Add Your Child as an Authorized User
There are several reasons why you’d want to add your child to your credit cards.
1. Meet Minimum Spending Requirements
Even with the 7 unusual ways to meet minimum spending requirements, sometimes it can be difficult to complete credit card minimum spending.
Adding your child or children on your credit cards can help you meet minimum spending requirements on newly opened credit cards with large sign-up bonuses.
Your child can be making purchases at the same time you’re making purchases, so you’ll reach your minimum spending sooner.
2. Exceed Daily Limits
Adding your child as an authorized user on credit cards means you can vacation more.
Because some purchases, such as gift cards, are limited to a daily purchase amount, when you add your child or children as authorized users, you can exceed those daily purchase limits by double, triple, or quadruple.
For example, Simon Mall gift cards are limited to $10,000 a day per person. If your kids are authorized users on your credit cards, this means you can buy $40,000 worth of Simon Mall gift cards a day (or more depending on how many kids or authorized users you have).
And instead of being limited to $2,500 in gift cards at CVS, you can buy $10,000 at CVS.
So put those kids to work, it’s about time they helped earn miles and points for the family.
3. Bonus Miles and Points
Some banks like Chase and Bank of America offer bonus miles when you add an authorized user to your account.
Bank of America gives you 5,000 Virgin Atlantic miles when you add 2 authorized users to your new Virgin Atlantic card.
4. Establish Credit
Your child can establish credit.
Adding your child as an authorized user to credit cards will start their credit history. They’ll get a huge leg up in terms of their credit score by being able to piggyback on your credit (assuming you have good credit).
A great credit score is the golden ticket and can help your child get a job, get into college, etc. Because you don’t want them to be living at home with no job!
Plus your kid may get targeted for large welcome offers/bonuses! (My kids get 100,000 offers from American Express Platinum every few months.)
Pro-tip: Yes, you can use someone else’s 100k Amex Platinum code!
5. Teach Budgeting
Adding your children as authorized users on your credit card teaches them responsibility, budgeting, and prepares them for living on their own.
Although, some parents may feel more comfortable using prepaid cards or gift cards vs adding their kids to their credit cards.
But just because you add your kids as authorized users doesn’t mean you have to actually give them the cards. What they don’t know won’t hurt them nor will it hurt your credit.
Which Banks Let You Add a Child as a Credit Card Authorized User
Banks have different rules on adding children as authorized users to credit cards. Some banks, like American Express, have restrictive rules. Whereas other banks, like Barclays, are very lenient.
1. American Express
Your child must be at least 15 years old to be added as an authorized user to your American Express cards. Have your child’s date of birth and social security number handy because it’s a requirement.
American Express does not charge a fee for authorized users cards on:
- American Express Business Gold Rewards card
- American Express Delta Platinum SkyMiles card
- American Express Everyday Preferred card
- American Express Hilton card
- American Express Hilton Surpass card (learn more)
- American Express Premier Rewards Gold card
You will pay a fee for authorized user cards on these cards:
- American Express Delta Reserve card – $175 for each authorized user card
- American Express Platinum card – $175 for up to 3 authorized user cards
- American Express Platinum Business card – $300 for each authorized user card
Authorized users American Express cards are issued a separate credit card number. Different card numbers mean you can get more AMEX Offers.
If you aren’t comfortable allowing your child access to your entire credit limit on your American Express card, you can set a limit for each billable period.
For example, you can let your child charge $500 in December because of the holidays. Then in January, you can change the limit to $100.
This prevents your child from going hog wild and running amok with your credit cards.
American Express sends authorized user cards in 2 to 3 business days via FedEx or UPS.
There is no minimum age to add your child to your Barclay cards. So you could add your infant. Nor is there a fee to add authorized users to any Barclay cards.
You do not have to provide the authorized user’s social security number or date of birth. However, Barclay will not report the information to the credit bureau, unless you provide your child’s social security number.
When you add your child (or another person) as an authorized user to your Barclays cards, you’ll be reminded that you are responsible for all transactions.
Authorized users on Barclay cards can obtain cash advances, request checks, and can request a payment via check for overpaid accounts.
But they can’t close the account or add additional authorized users, request an increase or decrease to your credit limit, or request balance refunds.
A separate credit card number is issued for authorized users of Barclay cards.
Barclay sends authorized users cards via regular mail in 7 to 10 business days. For a fee of $29, you can request to receive cards in 1 to 2 days via FedEx.
You can add anyone as an authorized user on your Chase cards for free. Chase does not require a date of birth or social security number when you add authorized users.
Chase also gives you the option to add your child as an authorized user without sending a card.
You will be reminded by Chase that you are liable for the full balance and your authorized users on Chase cards have access to your full credit limit.
Authorized users cards on Chase accounts are sent in 1 to 2 business days via UPS.
Citibank has no age restrictions for authorized users. They do not require a date of birth, social security number, or fee when you add authorized users to your Citibank cards.
You can have authorized user cards sent express delivery via FedEx for free. Or you can wait 5 to 10 business days for delivery via the postal service.
5. US Bank
There is no minimum age requirement or fee to add an authorized user to your US Bank cards. You have to provide their full name, date of birth, and social security number.
US Bank authorized user cards are sent in 5 to 10 business days.
You can add a child as an authorized user on your credit cards.
The benefits of adding your child to your cards far outweigh the risks. By adding your kids to your credit cards you help them establish credit and learn how to budget. You get the benefits of meeting your minimum spending faster plus bonus points for adding your child to your credit card.
It took about 30 minutes to add my kids as authorized users on all my credit cards. Depending on how many open credit cards you have, it might take less time.
What’s stopping you from adding your kids as authorized users to your credit cards?
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