Adding an authorized user lets someone else use your credit card account — and, in many cases, helps them build credit from your account’s history. The process is usually quick and free, but there are a few things worth knowing before you do it. Here’s how it works, step by step.
What you’ll need first
Before you start, have the authorized user’s details ready. Most issuers ask for their full legal name and date of birth, and many also request a Social Security number so the account can be reported to the credit bureaus under that person.
Some issuers only need a name to print on the card. If your goal is to help the other person build credit, it’s worth confirming that your issuer reports authorized-user activity to the bureaus — not all of them do.
Step by step: how to add them
Most card issuers offer three ways to add an authorized user. The fastest is usually through your online account or mobile app: look for a section labeled “Account Services,” “Card Management,” or “Authorized Users,” then follow the prompts to enter the person’s information.
You can also call the number on the back of your card and ask a representative to add the user, or in some cases make the request by mail. Whichever method you choose, only the primary cardholder can add or remove an authorized user.
How long it takes and what it costs
Submitting the request takes just a few minutes. A physical card for the new user typically arrives within one to two weeks, though you can often see the card details in your online account sooner.
Cost varies by card. Many cards add authorized users for free, but some premium cards charge a yearly fee for each one. Always check your card’s terms so a surprise fee doesn’t catch you off guard.
How it affects credit — for both of you
For the authorized user, a well-managed account with a long, positive history can help their credit. But the opposite is also true: if the account carries a high balance or a late payment, that can show up on their report too.
For you, the primary cardholder, adding a user doesn’t change your credit by itself. What matters is the account’s behavior — and since you remain fully responsible for every charge, choose someone you trust.
A few things to confirm before you add someone
Ask your issuer whether there’s an age requirement, whether authorized-user activity is reported to the credit bureaus, and whether you can set a spending limit for that user. Some issuers let you cap how much an authorized user can spend, which can be reassuring for a first-timer.
Remember that an authorized user is different from a joint account holder or a co-signer. An authorized user can spend on the account but isn’t legally responsible for the debt — that responsibility stays with you.
Frequently asked questions
How long does it take to add an authorized user?
The request itself usually takes only a few minutes online or by phone. A physical card typically arrives within 7 to 14 days, though some issuers provide card details sooner in your online account.
Does adding an authorized user cost money?
It depends on the card. Many cards let you add authorized users for free, but some premium cards charge an annual fee per authorized user. Check your card’s terms before adding someone.
Do I need the authorized user’s Social Security number?
Often yes. Many issuers ask for the authorized user’s full name, date of birth, and Social Security number so the account can be reported to the credit bureaus. Some issuers only require a name.
Can I remove an authorized user later?
Yes. The primary cardholder can remove an authorized user at any time by contacting the issuer. The authorized user can also ask the issuer to remove the account from their own credit report.
By O.B., Founder · Last reviewed June 23, 2026
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This article is general education, not personalized financial advice. Card terms, fees, and benefits are set by the issuer and can change — always confirm details on your official card terms.