You can add an authorized user to most Chase credit cards through your online account or by calling Chase directly
An authorized user is someone you permit to use your credit card account — they get their own card linked to your account and can make purchases, but you remain responsible for all charges. Chase lets you add authorized users to most personal and business credit cards, and the process takes about 10 minutes if you do it online, or a few minutes by phone.
The authorized user does not need to be a family member, though most people add spouses, adult children, or trusted household members. Chase does not run a credit check on the authorized user, and their credit score does not affect approval. You decide the spending limit, and you can remove them at any time.
Key Takeaways
- You can add an authorized user online through your Chase account dashboard, by phone at the number on your card, or in person at a Chase branch.
- Chase does not check the authorized user's credit history or require their Social Security number during the initial setup.
- The authorized user receives their own physical card in the mail within 7 to 10 business days, or you can request a digital card to use when ready.
- You remain fully liable for all charges made by the authorized user, and you can set spending limits or remove them without notice.
- Adding an authorized user does not change your credit limit — purchases by the authorized user count against your existing limit.
Add an authorized user through your Chase online account
Log into your Chase account at chase.com and select the credit card you want to add the user to. Look for a menu option labeled "Manage Card" or "Card Services" — the exact wording varies by card type. Click on "Add Authorized User" or "Manage Authorized Users."
Enter the authorized user's first name, last name, and date of birth. You do not need their Social Security number at this stage. Chase will ask whether you want to set a spending limit for this user — you can choose a daily or monthly cap, or leave it unlimited. Select whether you want a physical card mailed to them or a digital card added to their mobile wallet right away.
Review the information and confirm. Chase will send a confirmation email to the email address on your account. The physical card arrives in 7 to 10 business days; a digital card is ready to use within hours. The authorized user can start making purchases as soon as the card is active.
Add an authorized user by phone
Call the number on the back of your Chase credit card. A representative will verify your identity by asking for your card number, date of birth, and the last four digits of your Social Security number. Tell them you want to add an authorized user.
Provide the authorized user's full name and date of birth. The representative will confirm the mailing address where the card should be sent — it can be different from your address if you prefer. You can also request a digital card to be added to their phone when ready. Ask the representative to note any spending limit you want to set.
The representative will give you a confirmation number. Write it down. The card will arrive within 7 to 10 business days, or the digital card will be active within a few hours.
Add an authorized user in person at a Chase branch
Visit any Chase branch with your credit card and a form of identification. Tell a banker you want to add an authorized user. They will ask for the authorized user's name and date of birth, and confirm where the card should be mailed.
The banker can set up the account on the spot and may be able to issue a temporary digital card when ready if the authorized user is present. The physical card will arrive within 7 to 10 business days. This method is useful if you want to add the user in person and answer questions face-to-face.
What happens after you add an authorized user
The authorized user's card will arrive in the mail or set up digitally. They can begin using it right away to make purchases. All charges appear on your monthly statement under your account, and you pay the full balance — Chase does not separate charges by cardholder.
You can view all authorized users and their activity in your online account under "Manage Authorized Users." If you want to change a spending limit, you can do so from this menu without calling Chase. If you want to remove an authorized user, select their name and choose "Remove" — their card will stop working when ready, though you remain liable for any charges made before removal.
Adding an authorized user does not increase your credit limit. If you and the authorized user spend $5,000 together and your limit is $10,000, you have $5,000 remaining. Chase may report the authorized user's activity to credit bureaus, which can help build their credit history if payments are made on time.
Spending limits and controls for authorized users
When you add an authorized user, you can set a daily spending limit, a monthly spending limit, or no limit at all. For example, you might set a $500 daily limit for a teenager or a $2,000 monthly limit for an adult family member. Chase enforces these limits at the point of sale — if the authorized user tries to spend more than the limit, the transaction will be declined.
You can change the spending limit at any time through your online account or by calling Chase. There is no fee to adjust limits. If you want to temporarily suspend the card without removing the user, you can freeze it through your account settings — the card will stop working until you unfreeze it.
Removing an authorized user
Log into your Chase account, go to "Manage Authorized Users," and select the user you want to remove. Click "Remove Authorized User" and confirm. The card stops working when ready. You remain responsible for any balance on the account, and the authorized user's access to your account ends right away.
If you prefer to remove the user by phone, call the number on your card and ask a representative to remove them. Provide the authorized user's name and date of birth. The representative will process the removal and give you a confirmation number. There is no fee to remove an authorized user.
Frequently Asked Questions
Does adding an authorized user hurt my credit score?
Adding an authorized user does not directly affect your credit score because Chase does not run a hard inquiry on them. However, if the authorized user makes large purchases and you carry a high balance, your credit utilization ratio increases, which can lower your score slightly. Paying the full balance each month prevents this.
Can an authorized user see my full account information?
An authorized user can see their own transactions and the current balance, but they cannot access your full account history, personal information, or other cards linked to your account. They cannot change your password, add other users, or request credit limit increases.
What if an authorized user makes a purchase I did not approve?
You are responsible for all charges made by an authorized user, even if you did not approve them. If you believe a charge is fraudulent, you can dispute it with Chase the same way you would dispute any other transaction. You can also remove the authorized user when ready to stop future charges.
Can I add an authorized user to a business Chase credit card?
Yes, Chase business credit cards allow authorized users. The process is the same as for personal cards — you can add them online, by phone, or in person. Business cards may have different spending limit options, so check your specific card's features.
How many authorized users can I add to one Chase card?
Chase allows multiple authorized users per card, though the exact number varies by card type. Most personal cards allow at least 5 to 10 authorized users. If you need to add more than that, call Chase to confirm the limit for your specific card.