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Someone recently told me that my husband should leave me if I won’t add him as an authorized user on my credit cards. First, I was shocked, and second, they clearly didn’t understand why I said no, but it reminded me just how often I get this question: Should I add my husband as an authorized user on my card, or should he apply for his own card and earn a welcome bonus? This guide breaks it down simply, helps you travel sooner, and teaches you to protect your credit at the same time.
If you’re just getting started, my Beginner’s Guide is a perfect first step.
Quick Definitions (Beginner-Safe)
Authorized user (AU): Your partner gets a card on your account and can spend with it. Since it’s your account, you (the primary) are fully responsible for the bill. AU spending typically counts toward the primary’s minimum-spend requirement. Depending on the issuer’s reporting policy, AU history may help the AU’s credit profile, especially if balances stay low and payments are on time. Policies vary, and reporting for minors is inconsistent.
New application (your partner’s own card): Your partner applies for their own account. They’re responsible for the payments, they get their own welcome bonus and benefits, and the account (plus the hard inquiry) lands on their credit report.
“Joint” or “cosigner” accounts: Joint accounts make both people equally liable and co-owners on the credit report. A cosigner guarantees someone else’s debt. Most families don’t need either for points; AU or a separate account is usually cleaner.
The Case for Adding an Authorized User
1) Get your current welcome offer faster
If you’re aiming for a big bonus on the primary’s card, adding your partner as an AU helps you funnel more everyday spending to the same account, fast-tracking that bonus. However, I will say that we usually put the card on apple wallet and have a physical copy as well, that way we can both use it without the AU addition.
2) Occasional AU bonuses
From time to time, issuers offer a small bonus to add an AU and make a first purchase. It’s not guaranteed, but if you see it, it’s a nice cherry on top.
3) Possible credit score help for the AU
If the issuer reports AUs to the bureaus and you keep utilization low with on-time payments, the AU can benefit. Again, ask how your issuer reports, especially for teens.
4) One statement to manage
During busy seasons, one account can be simpler and use less brain power to organize.
Keep in mind:
- The primary is liable for all AU charges. Set clear expectations, spending alerts, and (if available) per-card limits.
- Some premium cards charge an AU fee; weigh that against what the AU actually gets (lounge access, credits, insurance varies by product).
The Case for a New Application
1) A second welcome bonus (the big multiplier)
If both adults in the household qualify separately for a card, you’re not limited to just one bonus, you get two. This “two adults, two bonuses” approach is often the single biggest accelerator for family travel, because instead of relying only on slow day-to-day spending, you’re doubling the biggest one-time point boost while still keeping each account’s benefits and credit profiles separate. Here are some of my favorite cards to get you started.
2) Independent benefits and protections
Your partner gets protections tied to their card (trip delay, rental coverage, purchase protection). You’re not sharing a single basket of benefits.
3) Stronger household profile
A new line increases overall available credit, which can lower utilization. With responsible use, your partner builds their own credit history for future approvals.
4) Referrals
Referring your partner to a card you hold will get you a good number of points without even trying. These referrals inside the household get your numbers up even faster.
Keep in mind:
- A new application adds a hard inquiry and a new account. Some issuers use “new-account counters” that may affect future approvals. If you’re unfamiliar with common reasons for denials, read the 5/24 Rule.
- It also give you another annual fee to justify, and another card to keep organized.
Authorized User vs. New Card
A Simple Decision Framework
Choose Authorized User if:
- You’re racing a specific trip and need to hit a minimum spend quickly.
- Your partner’s credit is thin/rebuilding and you want a gentle on-ramp without a new inquiry.
- You want one statement to manage for now.
Choose New Application if:
- Your partner can qualify and you want the second welcome bonus (best long-term value).
- You want independent benefits and protections in both names.
- You’re building two strong credit profiles for future approvals and more flexibility.
FAQs I Hear From Readers
Does AU spending count toward the primary’s minimum spend?
Typically yes. Check your card’s terms to be sure.
Will an AU help my partner’s credit?
Maybe. Many issuers report AUs, but not all; some don’t report minors. Keep balances low and pay on time for the best shot at a positive impact.
Who’s liable if an AU overspends?
The primary account holder. Use spending alerts and talk about expectations upfront.
Are joint or cosigned cards better?
Usually no for points. They create shared liability that can be messy. An AU or a separate account is usually simpler for couples who qualify independently.
Next Reads
- How to Choose the Best Travel Credit Card for Your Family
- 5/24 Rule
- Cards I always have in my wallet
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