You can add an authorized user to your Chase credit card in minutes through the Chase mobile app or website, or by calling the number on the back of your card
An authorized user is someone you permit to use your credit card account. They receive their own card linked to your account, but you remain responsible for all charges. Chase lets you add authorized users online, through their mobile app, or over the phone — the online method is fastest and requires no waiting.
The person you add does not need to be a Chase customer, does not need to have good credit, and does not need to be present when you add them. You decide what spending limit they have (if any), and you can remove them at any time. The authorized user's activity appears on your monthly statement and affects your credit utilization, since their charges count toward your overall credit limit.
Key Takeaways
- You can add an authorized user through the Chase app or website by logging in, finding the card, and selecting the option to add a user — no phone call needed.
- Chase will issue a physical card to the authorized user at the address you provide, which usually arrives within 7 to 10 business days.
- You remain fully responsible for all charges the authorized user makes, even if you set a spending limit.
- Authorized user charges appear on your statement and count toward your credit limit, so monitor activity regularly.
- You can remove an authorized user when ready through the same app or website section where you added them.
Add an authorized user through the Chase mobile app
Open the Chase mobile app and sign in to your account. Tap the credit card you want to add the user to, then scroll down and look for a menu option labeled "Manage card" or "Card services." Tap it, then select "Add authorized user" or similar wording (exact labels vary slightly by card type).
Enter the authorized user's first and last name, date of birth, and the last four digits of their Social Security number. Provide the mailing address where Chase should send their card. Review the information, confirm, and submit. Chase will send a confirmation to your registered email address. The new card typically arrives within 7 to 10 business days.
Add an authorized user through Chase.com
Log in to your Chase account at chase.com. Click on the credit card account you want to modify. Look for a section labeled "Account services," "Manage your account," or "Card management" — the exact location depends on your card type. Click the option to add an authorized user.
Fill in the authorized user's full name, date of birth, and the last four digits of their Social Security number. Enter the address where you want their card mailed. Double-check all details before submitting. You will receive an email confirmation, and the card will be mailed to the address you provided within one to two weeks.
Add an authorized user by phone
Call the customer service number on the back of your Chase credit card. Tell the representative you want to add an authorized user. Have the person's full name, date of birth, and last four digits of their Social Security number ready. Provide the mailing address for the new card.
The representative will confirm the information, process the request, and send you a confirmation number. Ask when the card will arrive — Chase typically mails it within 7 to 10 business days. The representative can also set a spending limit for the authorized user if you request one, though you can adjust this later through the app or website.
What information you need before you start
Gather these details about the person you want to add before you begin the process: their full first and last name (as they appear on official documents), their date of birth, and the last four digits of their Social Security number. You will also need a mailing address where Chase should send their card — this does not have to be your address, but it must be a valid U.S. address.
You do not need the person's full Social Security number, driver's license number, or any other sensitive information. Chase only asks for the last four digits of their SSN. If the person does not have a Social Security number, contact Chase customer service to discuss other options.
Set or change the authorized user's spending limit
When you add an authorized user through the app or website, Chase may offer you the option to set a spending limit during the setup process. If you do not set one at that time, the authorized user can spend up to your full credit limit. You can add or change a spending limit later by going back to the card management section in the app or on chase.com, finding the authorized user's name, and selecting "Edit" or "Manage."
Keep in mind that a spending limit is a courtesy tool, not a hard block — if the authorized user exceeds the limit, the charge may still go through, and you will be responsible for paying it. Monitor your statement regularly to catch any unexpected activity. You can remove the spending limit at any time or lower it if needed.
Remove an authorized user
You can remove an authorized user whenever you choose. In the Chase mobile app, go to the card, select "Manage card," find the authorized user's name, and look for a "Remove" or "Delete" option. On chase.com, navigate to the card management section, locate the authorized user, and select "Remove authorized user." The removal takes effect when ready, though the physical card remains valid until it expires — the authorized user straightforward will not be able to use it on your account.
If you want to be certain the card is not used after removal, you can ask the authorized user to destroy it or return it to you. There is no fee to remove an authorized user, and doing so does not affect your credit score or account history.
What happens to the authorized user's charges
Every purchase the authorized user makes appears on your monthly statement under their name or a label like "Authorized User." The charges count toward your total credit utilization — the amount of your credit limit you are using — which affects your credit score. If the authorized user charges $2,000 and your credit limit is $10,000, your utilization jumps to 20 percent, even though you did not make the purchase yourself.
You are responsible for paying the full balance, including all authorized user charges. If you do not pay, the late payment appears on your credit report, not theirs. However, if you report the card as lost or stolen and the authorized user made unauthorized charges, contact Chase fraud services — they may reverse those charges depending on the circumstances.
Frequently Asked Questions
Does adding an authorized user hurt my credit score?
Adding an authorized user itself does not hurt your credit score. However, if the authorized user makes large purchases, their charges increase your credit utilization ratio, which can lower your score temporarily. Once you pay down the balance, your score typically recovers. The authorized user's own credit score is not affected by being added to your account.
Can an authorized user see my full account details?
An authorized user can see their own charges and the current balance, but they cannot access your full account history, other cards, or personal information like your Social Security number or bank accounts. They can only use the card for purchases. If you want to hide specific transactions, you will need to remove them as an authorized user.
What if the authorized user's card arrives damaged or does not arrive?
Contact Chase customer service with the authorized user's name and the date you added them. Chase can reissue the card and mail it to the same address or a different one. Reissued cards typically arrive within 7 to 10 business days. There is no fee for a replacement card.
Can I add someone who does not have a Social Security number?
Chase normally requires the last four digits of a Social Security number to add an authorized user. If the person does not have one, call Chase customer service at the number on your card to discuss alternatives. They may be able to use a Tax Identification Number or other documentation, depending on the situation.
Does the authorized user need to be a U.S. citizen?
Chase does not require authorized users to be U.S. citizens, but they do need a valid U.S. mailing address for the card to be sent. If the person lives outside the U.S., contact Chase customer service to ask about options — some cards may allow international addresses, while others may not.