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Intro offer $200 this is some copy One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening Annual fee $0 Regular APR 17.99% - 27.99% (Variable) Recommended credit Good to Excellent (670 - 850) Credit score A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.Our editorial team and expert review board work together to provide informed, relevant content and an unbiased analysis of the products we feature. The editorial content on our site is independent of affiliate partnerships and represents our unique and impartial opinion. Learn more about our partners and how we make money. SummaryAn authorized user is an additional cardholder added to a credit account through the permission of the primary cardholder. They receive their own card, but all charges, rewards and payments will be held on one account. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. Adding an authorized user to your Capital One credit card can have great benefits for both you and the authorized user, but there are some things that should be taken into account before making that decision. While you can boost both of your credit scores, or help a family member establish credit, you’ll also be responsible for paying off the balance they put on the card. An authorized user is an additional cardholder added to a credit account through the permission of the initial primary cardholder. They’ll receive their own card, but all charges, rewards and payments will be held on one account. Capital One’s authorized user policiesHere’s a look at Capital One’s authorized user policies:
Prior to adding an authorized user, be sure that they’ll spend responsibly; not every card offers the option to impose spending limits to prevent authorized users from overspending on your account. If you notice an authorized user is spending too much, in some cases, your only safeguard is to instantly lock their card. Unless you unlock it, the user will not be able to make purchases on the account. You also have the option to remove them from your account by logging in, clicking “Services” and selecting “Manage Authorized Users.” Click on the name of the user that you’d like to remove, then check the “remove user” option. Thankfully, your rewards cannot be cashed in by authorized users unless you authorize them to do so – so you won’t have to worry about missing points, miles or cash back. How to add an authorized user to your Capital One account
When adding a user, you’ll have to provide Capital One with that user’s name, date of birth and Social Security number. Should you add an authorized user to your Capital One card?Adding an authorized user to your Capital One card can provide great benefits to both you and your added users. However, there is a degree of risk involved when adding an authorized user, so you should consider this before deciding if it’s the right choice for you. Although Capital One authorized users will make charges to the same account as the primary cardholder, the primary cardholder is the one responsible for paying off the balance. Because of this, it’s important to ensure your authorized users won’t overspend. Before adding an authorized user on your Capital One credit card, make a plan concerning how much each person can spend and when or how they will pay your back. Becoming an authorized user could be a great way to help build someone’s credit. Whether this is a spouse or child, by adding them as an authorized user, you’ll be helping them boost their credit score or build their credit from the ground up. Whenever you make an on-time payment, not only will it appear on your credit report, but also on those of your authorized users. A benefit for the primary cardholder is that, depending on which Capital One card they hold, they’ll be able to boost their rewards haul. For example, if you have a rewards card like the Capital One Venture Rewards Credit Card, authorized users earn 5X miles on hotels and rental cars booked through Capital One Travel and 2X miles on all other purchases when they pay with the card. There are both pros and cons to consider when adding an authorized user to your card. Authorized users are typically able to enjoy some of the card’s perks while the responsibility falls on the primary cardholder. Keep reading for a summary of the associated risks and rewards: Pros
Cons
Bottom lineAdding an authorized user to your Capital One credit card has both risks and rewards. You can increase your total rewards haul, but you could also end up with an expensive bill. Because of the various pros and cons, it’s important to fully think through the decision and plan ahead before adding an authorized user to your account. Thankfully, Capital One makes it easy to add an authorized user if you decide it’s the right choice for you. Tweet Share Share Editorial Disclaimer The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners. Dan Rafter has covered personal finance for more than 15 years for publications ranging from The Washington Post and Chicago Tribune to Wise Bread, HSH.com and MoneyRates.com. His work has also appeared online at the Motley Fool, Fox Business, Huffington Post, Christian Science Monitor and Time. Erin Bendig Erin pairs personal experience with research and is passionate about sharing credit card information and personal finance advice with others. On this page
On this pageJump toEssential reads, Stay up-to-date on the latest credit card news 一 from product reviews to credit advice 一 with our newsletter in your inbox twice a week. Can I add another person to my Capital One account?You can add another person to your account online in just a few steps. If you have been invited to become a joint holder on a Capital One direct account, you will receive an email invitation within 24 hours.
Can I add an authorized user to my credit card online?The primary cardholder has to add you as an authorized user. You can either do it online, via your bank's mobile app or over the phone. The process can be completed within a few minutes, and your card will likely be mailed to the primary cardholder's address.
Does adding someone to your credit card help their credit?When you add an authorized user to your credit card account, information from the account — like the credit limit, payment history and card balance — can show up on that person's credit reports. That means their credit can improve as a result of being added to a credit account you keep in good standing.
Can you add someone to your credit card as an authorized user?Request to be added: Ask a friend or relative with good credit to add you as an authorized user. This can be requested by contacting the main account holder's bank or credit issuer. Not all banks and card issuers provide authorized users' card payments to the credit reporting bureaus.
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