{"id":49263,"date":"2023-10-27T20:00:08","date_gmt":"2023-10-27T20:00:08","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2023\/10\/27\/the-benefits-of-adding-a-relative-as-an-authorized-user-the-points-guy\/"},"modified":"2023-10-27T20:00:08","modified_gmt":"2023-10-27T20:00:08","slug":"the-benefits-of-adding-a-relative-as-an-authorized-user-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2023\/10\/27\/the-benefits-of-adding-a-relative-as-an-authorized-user-the-points-guy\/","title":{"rendered":"The benefits of adding a relative as an authorized user &#8211; The Points Guy"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>Adding a loved one, such as a partner, child, family member or friend, as an <a href=\"https:\/\/thepointsguy.com\/news\/everything-you-need-to-know-about-authorized-users\/\" rel=\"noopener\" target=\"_blank\">authorized user<\/a> on a credit card, has multiple advantages.<\/p>\n<p>Firstly, it can simplify your financial management. Instead of using multiple cards and dealing with separate bills or settling expenses later, you can divide the costs between two individuals or pay from a shared account, depending on your circumstances. Additionally, the primary cardholder will receive all the points, which can be beneficial if the authorized user is not concerned about earning points.<\/p>\n<p>Moreover, <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-authorized-user-credit-cards\/\" rel=\"noopener\" target=\"_blank\">authorized users on select cards<\/a> can enjoy additional perks. Today, we will explore these benefits and how this can enhance your points accumulation while benefiting the authorized user.<\/p>\n<p><a id=\"benefits-of-adding-an-authorized-user\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">Benefits of adding an authorized user<\/h2>\n<figure class=\"jsx-4252866712 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\/2023\/09\/20230921_American-AIrlines-A321neo-First-Class_KOlsen_20.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/20230921_American-AIrlines-A321neo-First-Class_KOlsen_20.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/20230921_American-AIrlines-A321neo-First-Class_KOlsen_20.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/20230921_American-AIrlines-A321neo-First-Class_KOlsen_20.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/20230921_American-AIrlines-A321neo-First-Class_KOlsen_20.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/20230921_American-AIrlines-A321neo-First-Class_KOlsen_20.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/20230921_American-AIrlines-A321neo-First-Class_KOlsen_20.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/20230921_American-AIrlines-A321neo-First-Class_KOlsen_20.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/20230921_American-AIrlines-A321neo-First-Class_KOlsen_20.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-4252866712 figcaption\">You can earn Loyalty Points from multiple streams by adding an authorized user to your American Airlines cobranded credit card. KYLE OLSEN\/THE POINTS GUY<\/figcaption><\/figure>\n<p>Beyond just simplifying expenses, there are some lesser-known benefits to adding authorized users to your credit cards. Some of these include:<\/p>\n<p>In most cases, authorized users are still eligible for the card&#8217;s welcome offer if they apply for their own card. So, if you add your partner as an authorized user on your<a href=\"https:\/\/thepointsguy.com\/credit-cards\/capital-one-venture\/\" rel=\"noopener\" target=\"_blank\"> Capital One Venture Rewards Credit Card<\/a> and later decide to open their own card, they&#8217;re still eligible for whatever welcome bonus the card offers when they apply.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/best-authorized-user-credit-cards\/\" rel=\"noopener\" target=\"_blank\">The 7 credit cards with the greatest value for authorized users<\/a><\/strong><\/p>\n<p><a id=\"the-risks-of-adding-and-being-an-authorized-user\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">The risks of adding (and being) an authorized user<\/h2>\n<figure class=\"jsx-4252866712 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\/2023\/09\/20230913_Modern-Honolulu_KOlsen_126.jpg?width=640 640w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/20230913_Modern-Honolulu_KOlsen_126.jpg?width=750 750w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/20230913_Modern-Honolulu_KOlsen_126.jpg?width=828 828w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/20230913_Modern-Honolulu_KOlsen_126.jpg?width=1080 1080w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/20230913_Modern-Honolulu_KOlsen_126.jpg?width=1200 1200w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/20230913_Modern-Honolulu_KOlsen_126.jpg?width=1920 1920w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/20230913_Modern-Honolulu_KOlsen_126.jpg?width=2048 2048w, https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/20230913_Modern-Honolulu_KOlsen_126.jpg?width=3840 3840w\" src=\"https:\/\/thepointsguy.global.ssl.fastly.net\/us\/originals\/2023\/09\/20230913_Modern-Honolulu_KOlsen_126.jpg?width=3840\"\/><\/noscript><\/span><\/div><figcaption class=\"jsx-4252866712 figcaption\">KYLE OLSEN\/THE POINTS GUY<\/figcaption><\/figure>\n<p>Adding an authorized user doesn&#8217;t come without risks.<\/p>\n<p>The main risk of adding an authorized user to your account is that you&#8217;re still responsible for all charges posted to the account, even if your authorized user makes the purchase. With this in mind, you should only add extremely trusted individuals as authorized users on your card.<\/p>\n<div class=\"&#10;        EmailSignUp_container__70lh2&#10;        undefined&#10;        EmailSignUp_isLoading__zGkU5&#10;      \"><picture class=\"EmailSignUp_graphic__AEA5s\"><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__cnneL\">\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>One way to mitigate this risk is by adding spending limits to authorized user cards. American Express is one of the best issuers in this regard, as it lets you set limits as low as $200 for authorized user cards.<\/p>\n<p>Further, authorized users take on some risk when added to someone else&#8217;s account. The authorized user&#8217;s credit may also suffer if the primary cardholder doesn&#8217;t pay their bill on time.<\/p>\n<p>If you find yourself in this situation, call the issuing bank and ask to be removed as an authorized user. You can then dispute the late payment with the credit bureaus if necessary.<\/p>\n<p><strong>Related: <a href=\"https:\/\/thepointsguy.com\/credit-cards\/american-express\/why-add-authorized-users-amex-platinum\/\" rel=\"noopener\" target=\"_blank\">Complete guide to authorized users on the Amex Platinum Card \u2014 now with higher annual fees<\/a><\/strong><\/p>\n<p><a id=\"bottom-line\" class=\"jsx-3480274316 anchor\"\/><\/p>\n<h2 class=\"jsx-3480274316\">Bottom line<\/h2>\n<p>Adding a relative or another very trusted person as an authorized user is a great way to build up your points stash while <a href=\"https:\/\/thepointsguy.com\/credit-cards\/how-to-build-credit\/\" rel=\"noopener\" target=\"_blank\">helping that person build credit<\/a> and take advantage of various perks. But before adding an authorized user to your account, ensure you&#8217;re comfortable with the risks.<\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/thepointsguy.com\/news\/authorized-user-perks\/\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Adding a loved one, such as a partner, child, family member or friend, as an authorized user on a credit card, has multiple advantages. Firstly, it can simplify your financial management. Instead of using multiple cards and dealing with separate bills or settling expenses later, you can divide the costs between two individuals or pay [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":49264,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-49263","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\/49263","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=49263"}],"version-history":[{"count":0,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/posts\/49263\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media\/49264"}],"wp:attachment":[{"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/media?parent=49263"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/categories?post=49263"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/entertainment.runfyers.com\/index.php\/wp-json\/wp\/v2\/tags?post=49263"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}