Edited by: Keri Stooksbury
& Kellie Jez
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The Chase Sapphire Preferred® Card has consistently been at the top of our list of favorite travel rewards cards due to its earnings and redemption options for valuable Ultimate Rewards points and its complementary travel and shopping benefits. There’s no wonder it’s often selected as a person’s first travel rewards card.
Today we’re going to expand on our normal narrative and talk about a seldom-explained option for maximizing and sharing the benefits that come with your Chase Sapphire Preferred card.
The option we’re referring to is adding an authorized user. We’ll discuss all the benefits of doing so, a few of the downsides (there aren’t many), and also which benefits you won’t find extended to additional users.
If you’re looking for a way to add other users to your card and want to know more about how it works, you’ll find those answers here.
Before we dive into the how and why you’d want to add an authorized user to the Chase Sapphire Preferred card, let’s look at an overall snapshot of the card including a link for you to use to access key information including fees, interest rates, and any terms/conditions that might apply.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
An authorized user is a person the primary cardholder has added to the credit card account and therefore becomes authorized to make spending transactions on that account. Adding an additional user can be cost-effective versus paying an extra annual fee for that person to be approved for their own separate card. It is also a way to help the user establish credit.
You could add a family member, close associate, or any other trusted individual to your card and authorize them to make charge transactions on your account. You will, however, be solely responsible for any charges made by authorized users.
Let’s now explore the benefits, the restrictions, and the process of adding an additional user to your card.
Before we get into the earning, redemption, travel, and shopping benefits of adding an authorized user, let’s look at some of the reasons you would consider doing so.
Add as many authorized users as you wish to the Chase Sapphire Preferred card and neither you nor the additional cardholder will pay an extra fee for doing so.
Although the additional cardholder does not enjoy all of the same benefits as the primary cardholder, adding an authorized user is more cost-effective than applying for a separate credit card and paying an additional annual fee.
Adding an authorized user, regardless of age, will help establish credit for that person, even if the person does not use their card. As long as the primary cardholder keeps their own credit in good standing and that activity is reported to the credit bureaus, the authorized user will benefit.
One factor that affects your overall credit score is the length of your credit history. Adding an authorized user, especially one who is young, can help establish initial credit and start the clock ticking to build that history.
All purchases made by the primary cardholder and any authorized users count toward the minimum spending requirement (in the first 90 days after the primary cardholder’s initial card approval) for achieving the offered welcome bonus.
Travel and dining purchases made by the authorized user earn 5x points on travel purchased through the Chase Travel portal, 3x on dining, and 2x on all other travel purchases, which will be deposited into the primary cardholder’s account.
Every other purchase made by the authorized user, even outside of the bonus categories, earns 1x earnings for each dollar spent on the card.
While authorized users do not have redemption privileges, the primary cardholder controls the rewards account and can utilize the earned Ultimate Reward points to book travel via the Chase Travel portal or make other redemption transactions for the authorized user.
One benefit of adding an authorized user is that you can transfer Chase points to their airline frequent flyer account or hotel loyalty program account to use for award flights or free hotel nights. In some cases (i.e. World of Hyatt), the authorized user must be a member of your household.
Use the Chase Sapphire Preferred card (or a combination of Chase Ultimate Rewards points and your Chase Sapphire Preferred card) to reserve and pay for the rental car, then decline the rental car agency’s CDW or LDW coverage for damage, theft, loss of use, and applicable towing.
This benefit provides protection should your trip be canceled or disrupted for covered reasons. Eligible travel expenses are reimbursed up to $10,000 per covered person, up to $20,000 total per covered trip, and up to a maximum of $40,000 within a 12-month period per account.
Receive up to $500 per trip for covered expenses due to a trip delay of greater than 12 hours or overnight.
Receive up to $100 per day reimbursement for covered expenses for up to 5 days if your baggage is delayed more than 6 hours. Additionally, lost or damaged baggage reimbursement is covered for up to $3,000 per person, per covered trip. Limits and conditions apply.
Receive help when you have a roadside breakdown and pay 1 set fee that includes standard towing, tire changing, jump-starting, lockout service, fuel delivery, and standard wenching. Limits apply.
In the case of specific severe injury or death when traveling via common carrier, a benefit of up to $1,000,000 may apply.
Help is available 24/7 while you’re traveling by calling the hotline. Receive medical and legal referrals, assistance with emergency transportation, and more.
Cardholders (and authorized users) receive free DoorDash DashPass membership so long as it’s activated by December 31, 2024. The benefit is activated during the first use, includes free delivery, and offers reduced fees on orders $12 and over.
Cardholders (and authorized users) get a free 6-month membership to Instacart+ when the benefit is activated by July 31, 2024. Instacard+ offers free delivery on orders over $35, a 5% credit back on eligible pickup orders, and a lower service fee on all orders.
Cardholders will also receive a $15 statement credit each quarter to offset some of the purchases they make with Instacart.
The original manufacturer’s warranty of 3 years or less will be extended for 1 additional year. Purchase an eligible item with your card and receive up to a maximum of $10,000 per claim, and $50,000 per account.
Covered items purchased with your card receive protection for theft, damage, or accidental loss, for up to 120 days from the date of purchase. A limit of $500 per item and $50,000 per account apply.
Purchases made by either the primary cardholder or any authorized users are not subject to foreign transaction fees. This benefit can end up saving you a significant amount of money each year, depending on how often you travel.
To add an authorized user, simply log into your Chase Sapphire Preferred card online account via chase.com and click on the dropdown as shown above.
You’ll need to provide the first name, last name, date of birth, and address of the additional user to complete the short form. If the person has a foreign address, you will need to call Chase to add them.
You can also add an authorized user by calling the number on the back of your card.
The new authorized user card will be sent within 7 to 10 working days.
While there are very few downsides to adding an authorized user, you’ll want to understand the following:
While an authorized user enjoys many of the benefits that come with the Chase Sapphire Preferred card, some benefits are granted strictly to the primary cardholder.
Adding an authorized user to your Chase Sapphire Preferred card is a decision you should not take lightly, even with the fact that it costs nothing to accomplish. You are, in fact, taking on the responsibility for the spending transactions of another person.
This may never be a problem if the person is a family member or other trusted individual. However, it could be important to set expectations as to spending limits, repayment, and any potential consequences before adding the user.
Sharing card benefits and helping the user establish credit can be positive outcomes of adding authorized users. For these reasons, it can be worth any pre-determined minimal risk of doing so for the right person.
There is no charge, over and above the annual fee for the primary card, for adding additional users. There is also no limit on how many additional users you can add.
No. There is no requirement for the authorized user to make charges on the card. The user will still receive the added benefit of establishing credit regardless of card utilization.
Yes, an authorized user is building credit. The primary cardholder’s payment activity is reported to the credit bureaus and affects the credit of the authorized user.
The authorized user also builds credit history longevity which can positively affect their credit score.
While there is no legal age for authorized users, individual credit card issuers may have set age requirements. The Chase Sapphire Preferred card does not have a minimum age requirement for adding an additional user.
Adding an authorized user, even if they have poor or no credit history, does not affect your credit score.
You do, however, share the same credit limit on your card and if the authorized user utilizes the limit with high spending, this high credit utilization could affect your score negatively.
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