{"id":130160,"date":"2024-10-09T15:00:27","date_gmt":"2024-10-09T15:00:27","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2024\/10\/09\/should-my-partner-get-their-own-card-or-be-added-as-an-authorized-user-the-points-guy\/"},"modified":"2024-10-09T15:00:27","modified_gmt":"2024-10-09T15:00:27","slug":"should-my-partner-get-their-own-card-or-be-added-as-an-authorized-user-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2024\/10\/09\/should-my-partner-get-their-own-card-or-be-added-as-an-authorized-user-the-points-guy\/","title":{"rendered":"Should my partner get their own card or be added as an authorized user? &#8211; The Points Guy"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>When it comes to points and miles, you may have heard of the term &#8220;<a href=\"https:\/\/thepointsguy.com\/credit-cards\/credit-cards-for-couples\/\" rel=\"noopener\" target=\"_blank\">two-player mode<\/a>&#8221; before. It refers to couples planning their strategies for credit cards and points and miles together, leading to more rewards.<\/p>\n<p>However, there is a common question that often comes up for couples: Should my partner get their own credit card, or should I add my partner as an authorized user on my credit card?<\/p>\n<p>There&#8217;s no one-size-fits-all answer here. Before you decide which is better for your situation, you&#8217;ll want to consider the benefits of each approach.<\/p>\n<p><a id=\"benefits-of-adding-your-partner-as-an-authorized-user\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Benefits of adding your partner as an authorized user<\/h2>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/08\/Male-couple-using-credit-card-on-laptop-at-home_Marko-Geber.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/08\/Male-couple-using-credit-card-on-laptop-at-home_Marko-Geber.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/08\/Male-couple-using-credit-card-on-laptop-at-home_Marko-Geber.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/08\/Male-couple-using-credit-card-on-laptop-at-home_Marko-Geber.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/08\/Male-couple-using-credit-card-on-laptop-at-home_Marko-Geber.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/08\/Male-couple-using-credit-card-on-laptop-at-home_Marko-Geber.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/08\/Male-couple-using-credit-card-on-laptop-at-home_Marko-Geber.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/08\/Male-couple-using-credit-card-on-laptop-at-home_Marko-Geber.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/08\/Male-couple-using-credit-card-on-laptop-at-home_Marko-Geber.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">MARKO GEBER\/GETTY IMAGES<\/figcaption><\/figure>\n<p><em>For rates and fees of The Platinum Card from American Express, please click <\/em><a href=\"https:\/\/thepointsguy.com\/apply\/the-platinum-card-from-american-express-rates-fees\/?tid=post\" rel=\"noopener\" target=\"_blank\"><u><em>here<\/em><\/u><\/a><em>.<\/em><\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-authorized-user-credit-cards\/\" rel=\"noopener\" target=\"_blank\">The credit cards with the greatest value for authorized users<\/a><\/strong><\/p>\n<p><a id=\"benefits-of-your-partner-getting-their-own-credit-card\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Benefits of your partner getting their own credit card<\/h2>\n<ul>\n<li>Your partner can earn a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/limited-time-card-offers\/\" rel=\"noopener\" target=\"_blank\">sign-up bonus<\/a>, adding to your combined stash of points and miles.<\/li>\n<li>You can earn a <a href=\"https:\/\/thepointsguy.com\/credit-cards\/refer-friends-earn-miles-points-or-cash\/\" rel=\"noopener\" target=\"_blank\">referral bonus<\/a> by referring your partner to apply for a credit card.<\/li>\n<li>Between the two of you, you can take a combined approach toward travel rewards. For example, one of you can <a href=\"https:\/\/thepointsguy.com\/credit-cards\/earn-airline-miles-other-than-credit-cards\/\" rel=\"noopener\" target=\"_blank\">earn miles for flights<\/a> on an upcoming trip while the other focuses on <a href=\"https:\/\/thepointsguy.com\/credit-cards\/hotel-credit-cards-with-annual-free-night\/\" rel=\"noopener\" target=\"_blank\">earning free hotel nights<\/a>.<\/li>\n<li>You won&#8217;t affect each other&#8217;s credit reports, which can be important when applying for new credit cards. Having fewer accounts that appear on your credit report may be a benefit when applying for credit cards with banks that frown on customers with many cards.<\/li>\n<li>You won&#8217;t lose access to your card&#8217;s benefits if you separate or the primary account holder dies.<\/li>\n<\/ul>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best\/\" rel=\"noopener\" target=\"_blank\">Best credit cards<\/a><\/strong><\/p>\n<div class=\"&#10;        EmailSignUp_container__qYzYT&#10;        undefined&#10;        EmailSignUp_isLoading__i_qm0&#10;      \"><picture class=\"EmailSignUp_graphic__zgpFm\"><source media=\"screen and (max-width: 767px)\" srcset=\"\/images\/EmailSignUp\/daily-mob.svg\"\/><img decoding=\"async\" alt=\"\" src=\"https:\/\/thepointsguy.com\/images\/EmailSignUp\/daily-dt.svg\"\/><\/picture>\n<div class=\"EmailSignUp_form__C8FWb\">\n<p>Daily Newsletter<\/p>\n<p>Reward your inbox with the TPG Daily newsletter<\/p>\n<p>Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG\u2019s experts<\/p>\n<\/div>\n<\/div>\n<p><a id=\"questions-to-ask-yourselves\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Questions to ask yourselves<\/h2>\n<p>No two couples are the same. When deciding whether it&#8217;s better to add your partner as an authorized user or whether they should get their own credit card, consider:<\/p>\n<ul>\n<li>Can you meet the spending requirements for a sign-up bonus without adding your partner as an authorized user?<\/li>\n<li>Can you afford another annual fee if your partner gets a card that has one?<\/li>\n<li>Will your partner get <a href=\"https:\/\/thepointsguy.com\/credit-cards\/authorized-user-perks\/\" rel=\"noopener\" target=\"_blank\">benefits as an authorized user<\/a>, or do you need separate cards to access those perks?<\/li>\n<li>What is your <a href=\"https:\/\/thepointsguy.com\/credit-cards\/five-year-cards-strategy\/\" rel=\"noopener\" target=\"_blank\">long-term credit card strategy<\/a>? Consider how being an authorized user on someone else&#8217;s credit card can impact this positively or negatively.<\/li>\n<\/ul>\n<figure class=\"jsx-1853040249 tpg-figure\">\n<div style=\"padding-top:0\" class=\"jsx-36530878 full-width-auto-height-image\"><span style=\"box-sizing:border-box;display:block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative\"><span style=\"box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;padding-top:66.6875%\"\/><img alt=\"\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\"\/><noscript><img alt=\"\" loading=\"lazy\" decoding=\"async\" data-nimg=\"responsive\" style=\"position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%\" sizes=\"100vw\" srcset=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/05\/Travel-Couple-Bicycles_Maskot.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/05\/Travel-Couple-Bicycles_Maskot.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/05\/Travel-Couple-Bicycles_Maskot.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/05\/Travel-Couple-Bicycles_Maskot.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/05\/Travel-Couple-Bicycles_Maskot.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/05\/Travel-Couple-Bicycles_Maskot.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/05\/Travel-Couple-Bicycles_Maskot.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/05\/Travel-Couple-Bicycles_Maskot.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2022\/05\/Travel-Couple-Bicycles_Maskot.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-1853040249 figcaption\">MASKOT\/GETTY IMAGES<\/figcaption><\/figure>\n<p>You may find that your answers to these questions evolve over time.<\/p>\n<p>The answers may even change depending on the bank. A perfect example is <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/\" rel=\"noopener\" target=\"_blank\">American Express<\/a>. While other banks will report the account opening date (which could be several years ago) on your authorized user&#8217;s credit report, newer accounts from American Express will see today&#8217;s date (or the date you added the authorized user) listed on your partner&#8217;s credit report. This can shorten the user&#8217;s average age of accounts and impact their <a href=\"https:\/\/thepointsguy.com\/credit-cards\/ultimate-guide-chase-5-24-rule\/\" rel=\"noopener\" target=\"_blank\">5\/24 status<\/a>.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/credit-card-application-restrictions\/\" rel=\"noopener\" target=\"_blank\">The ultimate guide to credit card application restrictions<\/a><\/strong><\/p>\n<p><a id=\"bottom-line\" class=\"jsx-2362441780 anchor\"\/><\/p>\n<h2 class=\"jsx-2362441780\">Bottom line<\/h2>\n<p>After considering the benefits on both sides and analyzing the questions above, you can make an informed decision on whether it&#8217;s better to add your partner as an authorized user or have them get their own credit card.<\/p>\n<p>Luckily, even if you add your partner as an authorized user, you can later remove them if you want. <a href=\"https:\/\/thepointsguy.com\/credit-cards\/sign-up-bonus-eligibility-authorized-users\/\" rel=\"noopener\" target=\"_blank\">Your partner can still get a sign-up bonus<\/a> on that same credit card later on after being removed.<\/p>\n<p>Conversely, if your partner gets a separate card, they can later close it and become an authorized user on your account. Thus, it is possible to choose one side of the equation today and then change it later on.<\/p>\n<p><em>For Capital One products listed on this page, some of the benefits may be provided by Visa\u00ae or Mastercard\u00ae and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.<\/em><\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/thepointsguy.com\/news\/partner-own-card-vs-authorized-user\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to points and miles, you may have heard of the term &#8220;two-player mode&#8221; before. It refers to couples planning their strategies for credit cards and points and miles together, leading to more rewards. However, there is a common question that often comes up for couples: Should my partner get their own credit [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":130161,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-130160","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-travel"},"_links":{"self":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/130160","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/comments?post=130160"}],"version-history":[{"count":0,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/130160\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media\/130161"}],"wp:attachment":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=130160"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/categories?post=130160"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/tags?post=130160"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}