Best Credit Cards for Authorized Users in 2022

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When you’re approved for a credit card, you have the option to add other people to your account. This allows them to piggyback off your credit and share many of your cardholder benefits, such as airport lounge access.

Along with the benefits, you will earn rewards for any purchases an authorized user makes. However, as the primary account holder, it’s your responsibility to pay the bill each month, so be sure to give an authorized user card to someone who can be trusted.

So if you’re interested in adding someone to your credit card as an authorized user, here are some of the best credit cards to do that.

Best credit cards for authorized users


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Best overall

The Platinum Card® from American Express

On the American Express secure site

  • Rewards

    Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year, 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel, 1X points on all other eligible purchases

  • Welcome bonus

    Earn 100,000 Membership Rewards® points after spending $6,000 within 6 months of card membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.

  • Annual fee

  • Intro APR

  • Regular APR

  • Balance transfer fee

  • Foreign transaction fee

  • Credit Needed

Benefits: The Platinum Card® from American Express offers primary cardholders a long list

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