Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Toby Walters is a financial writer, investor, and lifelong learner. He has a passion for ...

Credit card rewards belong to primary cardholders, even when authorized users earn them. Some issuers allow authorized users to redeem rewards but may require account manager designations. Setting ...

In February 2026, these three credit cards offer the best value for authorized users, from shared travel perks to everyday cash back.

Authorized users can hurt your credit score if they don’t treat your credit with respect. Create strict guidelines on card usage before offering to make someone an authorized user. Check your ...

Authorized users won’t be responsible for any debt, but they may be left without a credit card account. Many or all of the products on this page are from partners who compensate us when you click to ...

This page was originally published in early 2023 and still contains relevant interview quotes from that time. The rest of the article has since been updated. Making your child an authorized user on ...

Being an authorized user on another person’s credit card can help you establish your credit history. Parents might add their children to help launch them into adulthood. Or spouses may share an ...